TransUnion Offers FICO Score!

Discussion in 'Credit Talk' started by matty61184, Jul 24, 2002.

  1. Pat

    Pat Well-Known Member

    Ditto! I went in to see the results of my dispute, even though I said I was denied credit in the last 60 days it wanted to charge me!! wtf?
     
  2. wajaba

    wajaba Well-Known Member

    That's a good one. I can see the offer now: "Delete negative tradelines for only $12.95! Please allow seven years to process your order."

    wajaba
     
  3. nugentk2

    nugentk2 Well-Known Member

    Hamsters on the wheel. Thank you for my daily laugh! Almost fell off my chair :)
     
  4. DANSTARR

    DANSTARR Well-Known Member

    I called TransUnion earlier and asked why my disputes that I did online are not disputed. She told me that she had no idea and TU is changing lots of things on their internet home page.

    Here's where it gets good. I asked her as a joke if it costs money to dispute online. She replied by stating "soon you can pay money to dispute online, or you can send mail for free" I asked her if she has been drinking on the job, she said nothing is free in america. I told her to get some help then hung up on her. Their is no way they would charge to dispute, it is against the FCRA. I thought it was a funny story that I wanted to share with everybody on the board.

    P.S. - I wouldn't doubt they charge to dispute in the future. (lol)
     
  5. Nave

    Nave Well-Known Member

    § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

    (a)(1)(A) In general. If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

    -Peace, Dave

    PS not sure how "notifies the agency directly" is interpreted in the case of online dispute.
     
  6. tmitchell

    tmitchell Well-Known Member

    I think I may be alone on this one but TU may be within their rights to charge for online disputes. As long as they give you the option to dispute via snailmail/phone for free, they may be in the clear.
     
  7. Nave

    Nave Well-Known Member

    You are not alone...that is what I meant by:

    not sure how "notifies the agency directly" is interpreted in the case of online dispute.

    I think they may have a case in being able to charge for the "online" disputing...it would be an "alternate" means of disputing, and therefore they have a case for being able to charge for it.

    Blood Sucking SCUM!

    -Peace, Dave
     
  8. DANSTARR

    DANSTARR Well-Known Member

    The FCRA states that a person may dispute anything that is not correct on your credit report. If they offer online disputes, it must be free stated by the FCRA.
     
  9. tmitchell

    tmitchell Well-Known Member

    Duh.....Didn't catch the last part of your post Dave. I think they have a case.
     
  10. GEORGE

    GEORGE Well-Known Member

    REAL F.I.C.O. or just PRETEND???
     
  11. DANSTARR

    DANSTARR Well-Known Member

    Has anybody tried to buy their Fico score?
     
  12. GEORGE

    GEORGE Well-Known Member

    SEE ABOVE...THEY FAILED...AND GOT CHARGED ANYWAY...
     
  13. G. Fisher

    G. Fisher Banned

    So, your score is actually named "FICO" or "Fair, Isaac"?

    Can anybody else confirm this?
     
  14. jrjr35

    jrjr35 Well-Known Member

    i didn't see it when i ordered.
     
  15. lbrown59

    lbrown59 Well-Known Member

    I agree: You could notify them by carrier pigeon pony express smoke signals a note in a bottle dropped in the sea or any other way including on line as this isn't what FCRA is addressing.
    Now matter what means of comminution used it is still direct notification if you are doing the disputing yourself.
    >>
     
  16. lbrown59

    lbrown59 Well-Known Member

    Direct: You notify them yourself rather than somebody else notifying them on your behalf.
    The emphases here is on the messenger rather than on the method or manner of communication.
     
  17. lbrown59

    lbrown59 Well-Known Member

    I don't stink so.
    A dispute is a dispute is a dispute.
    What if they decided to do it free on line or charge for snail mail disputes?
    Where does it say in the law-Can not charge for disputing except?



     
  18. shport

    shport Well-Known Member

    Okay. I tried it and got it to work.

    TU Score = 611
    TU FICO = 655

    I hear rumblings that pulling your FICO score may affect you score negatively for some odd reason. I hope this is not the case.
     
  19. lbrown59

    lbrown59 Well-Known Member

    LBrown59

    In exchange for trashing your report!
     
  20. msb212

    msb212 Well-Known Member

    YES, pulling the fico results in a hard inq, which reduces your score. Hapened to me -- lost 4 points, and now the negative factor listing includes too many inquiries, where before it did not. Be careful.
     

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