I am loving Experian so far....

Discussion in 'Credit Talk' started by radiohead, Mar 9, 2002.

  1. radiohead

    radiohead Well-Known Member

    Done with my first round... disputed 4 items...

    One had multiple late pays, closed by consumer..
    Now is open. never late... Ok I'll take that!

    3 Charge offs... One verified, 2 deleted!!

    One night I got pissed, haha, and disputed all inquiries.. well guess what... ALL inquiries deleted. hahah how did that happen?

    By the way... Equifax verified this impossible chargeoff to verifiy.. and Experian deletes... hmmmmm.

    Ok, maybe I do not love Experian, but they are way better then these other 2 in my books!
     
  2. Trade4Livn

    Trade4Livn Well-Known Member

    What reason did you give to Experian when you disputed the charge-offs?
     
  3. radiohead

    radiohead Well-Known Member

    I never had an account with XXX, remove immediately!!

    Too simple?
     
  4. whyspers

    whyspers Well-Known Member

    I loved Experian too until this last bought with them. These last two are like pulling teeth. They are by far, though, the easiest to deal with IMHO.
    Equifax is the WORST!

    L
     
  5. Illini

    Illini Well-Known Member

    Whyspers, I agree with you totally. I started with 12 negatives on my EX report. I am down to three and getting those SOBs removed has been hell. I just sent in disputes on two of them via snail mail (They won't let me dispute via net anymore). I am getting ready to try out the nutcase letter if this fails because these accounts are paid off and closed.

    Illini
     
  6. dfwgt

    dfwgt Well-Known Member

    Hey Radiohead - what's been the difference in your score w/deletion?

    I had a 60 day removed from 99 and my score went from 639 to 647 :)

    Started 1/12/2002 with 9 negatives, down to 2...Sears and J.C.Pennys, and they've sworn to verify to the death


    GT
     
  7. radiohead

    radiohead Well-Known Member

    I am not sure yet... CE score does not seem to be working for me... So far every deletion has netted me a point each, but this can not be right. I should get a decent boost, all Inquiries are gone, 3 negs gone, and 1 dissapeared on its own as well.
     

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