HAS ANYBODY HAD ANY SIMILIAR STORIES. HOW LONG DOES IT TAKE FOR THE DISPUTE TO SHOW UP ON YOUR CR ONCE YOU CALL IT IN? THANKS AGAIN.
Ok, EVERYTIME I have disputed a neg. tradeline on EQU, my score has NOT changed, and it has NOT made it any easier to obtain credit while I am disputing. In fact, the only thing it helps with is me gaining more inquiries. TU made 2 files for me, when I pulled online I got the good one, when I had it mailed to me, I got both, when a creditor pulled it they got both.
I JUST LOOKED AT MY CR AND IT SHOWS AN ACCOUNT THAT WAS TRANSFERED OR SOLD. IT WAS JUST VERIFIED. I GUESS ALL THE OLD STUFF GOT DELETED AND ANY ACCOUNT FORM BEFORE THAT THEY WILL REPORT WILL BE BACK ON. I THINK MOST OF THEM HAS NOT REPORTED IN A WHILE.
Do a seach on split files... Equifax... you'll see how many times it happens... plus you will not have to wait for someone to respond to your post....
I did... There are exactly 2 posts with the exact phrase "split files" (now 3 with mine) they are both in this thread. There are exactly 8 posts with the words "split" AND "files"....3 of them are YOURS under your original name BKEV and NONE of them appear to be this persons situation because the people SEE the wrong (2nd) file, it did not just appear to have been deleted like this. There are exactly 24 with "split" and "file" and most are in this thread MOST of those that are NOT in this thread, the word FILE is for SUIT not REORT, and the SPLIT is for MARRIAGE and not SEVERED REPORT report, and again NONE have the same problem that this person is describing. Why can't you admit you are wrong Kevvy? At least let Danstarr NOT worry about this UNLESS/UNTIL he/she sees the problem of the items showing up on the reports pulled by a creditor and STOP conjecturing GLOOM and DOOM and acting like the PRO with all the answers which we all know you are not. -Peace, Dave
I did a search on split files and what do you know I got the same results as Dave. I just don't understand why you have to be so negative on everything. We are all suppose to be a team, but on the other hand it seems you are on the Equifax team. Stop being negative and respond back only if you have positive stuff to say. Dave, I appreciate you understanding my situation and standing by me. Thanks
Dan....This isn't a cheerleader session. I know bkev has said things really wrong in the past but i STILL do not see what is wrong with what he has said in this thread so far. Everyone is free to express their own opinions and that is all he has done so far - he has not insulted you personally in any way. Stop complaining about the negativity and get over it. You aren't always gonna hear what you want. If you don't like his replies, move on to the next.
What he wrote IS wrong. or at LEAST pre-mature and baseless. That is the point. There is no need to scare someone to think that his/her file is now "split" into 2 files and this WILL come back to haunt them when there is NO EVIDENCE that such a thing has happened. Period. BKev's past does not influence me...it is his present that I have a problem with. Every thread he touches becomes a marathon thread...why, because he stirs up contreversy and trouble. Maybe I should have said it is his presence that I have a problem with. -Peace, Dave
"Tell ya what...if they have information on me that I did not see when I pulled my report, but showed that information to a creditor of mine (or anyone else for that matter)...I would own them.' Dave, they do have info they don't tell you. equifax if memory serves keeps track of whether or not you claimed to rent or own about addresses and experian keeps track of dates associated with the addresses(so if you claim to have lived at an address for 5 years and another address date conflicts with that there is a flag). I learned this from copies of credit reports from I've seen from creditors. Neither credit bureau lists this info on your personal credit report despite the fact that they are explicitly required to by law.
No, it is not! Why don't you spend a nickel and call Robin Holland's department like I've said IF YOU WANT THE TRUTH... Otherwise you can complain about me until the cows come home, I don't care. Amazing what a freaking cult this board is... say anything that the regulars don't like and they circle the wagons... I wonder how many people have been run off... On the other hand, if it were me, I think I would be focusing on other things besides a new $35,000 car if I had 36 deletions.... but that is just me... Of course... if you don't like the message... make personal attacks on the speaker...
PERSONALLY IT IS NONE OF YOUR BUSINESS ON WHAT I NEED TO BE FOCUSING ON. I AM DOING JUST FINE FINANCIALLY. ALL OF MY NEGATIVES ARE UNDER $300.00 AND ARE 5 YEARS OLD WHEN I WAS YOUNG AND NOT RESPONSIBLE JUST LIKE A LOT OF US. I AM TRYING TO CLEAR MY REPORTS UP, SO I DONâ??T HAVE PROBLEMS GETTING LOANS WHEN I NEED THEM. EQ IS THE ONLY CR THAT I HAD SO MANY NEGATIVES AND ON THE OTHER TWO CRâ??S I HAVE JUST A COUPLE OF NEGATIVES. HERE IS MY POINT ON WHY I AM SO ANGRY. FOR ONCE IN MY CREDIT REPAIR PROCESS, I FINALLY GET A LUCKY BREAK. I ASK EVERYBODY WHAT THIS MAY BE. I GOT RESPONSES ON PEOPLES OPINIONS ON HOW THEY MAY FEEL ABOUT WHAT IS GOING TO HAPPENED WITH MY EQ CR. YOU COME IN AND START BEING NEGATIVE FROM THE START AND COME WITH A OPINION THAT I DONâ??T FEEL IS ACCURATE. THAT IS FINE, BUT YOU TELL ME OTHER PEOPLE HAVE HAD THE SAME PROBLEM AND THAT I SHOULD DO A SEARCH ON SPLIT FILES. NO ONE HAS EVER HAD THE SAME PROBLEM THAT I AM GOING THROUGH. SO STOP TELLING ME THAT IT IS A SPLIT FILE. I CALLED EQ AND TALKED TO A SUPERVISOR AND SHE TOLD ME THAT THERE IS NO OTHER FILE. I UNDERSTAND THAT PEOPLE HAVE OPINIONS. THAT IS FINE AND UNDERSTANDABLE. I THINK WE HAVE COME TO THE CONCLUSION THAT IT IS NOT A SPLIT FILE AND THAT EVERYTHING SOME HOW GOT DELETED. AS CREDITORS ARE DOING THEIR MONTHLY UPDATES, THINGS HAVE COME BACK ONLY WHEN THEY ARE VERIFIED NEW. I JUST DONâ??T KNOW WHAT HAS HAPPENED TO MY EQ CR. I AM NOT TRYING TO MAKE THIS IN TO A CHEERLEADING CONTEST BUT EVERYBODY NEEDS TO COOL DOWN AND TRY TO FIGURE OUT THE MYSTERY CREDIT FILE. THANKS TO ALL THAT ARE HELPING OUT WITH THIS PUZZLED SITUATION.
I tell you what... I'll give you $20 if you will call Robin Holland's office at Equifax and it's not a split file. How's that? You might even find someone else here to match the $20 to get you from posting in all caps... Don't you know how rude that is?
Not all newcomers know all the rules of etiquette. Don't you know how rude it is jump at someone who may not know the rules? It has occurred to me, that it may not be the info you post, as some if it is helpful, or has been helpful in the past, but, it is the manner in which you post the info. If you would just calm down a bit, maybe there wouldn't be so much hostility. Just a thought so don't start.
Dan.... I'm not saying it is a split file at this point but just a word of advice - take what the folks at EQ say with a grain of salt. Just because they tell you there isn't doesn't make it so.
LKH: I understand your comments, but I also know how much I am attacked for every single post, not matter what the subject. This smear campaign by Doc and the others is obviously tainting some people views, but I'm the same person I always have been. If you left it to Doc, people would still be contacting Don Cutrone (who I think the normal 800# still directs people to). He's been gone for almost a year! if you left it to Doc, you'd believe I work for either a mortgage company or one of the CRAs. I can tell you it's neither... nothing to do with the credit industry... ever! LKH... if you were the subject to all the blackball comments which were complete lies, perhaps you would respond differently.... of course... maybe your comments would not be censored. Mine are.... I'm not allowed the freedom of speech of everyone else on this board because I don't ignore it when management is spreading bad advice. Before you judge me... why don't you walk in my shoes and see if you could carry the load on your back as well? BTW, I don't think anyone who has enough experience on the internet as to find this board and post is ignorant of the basic unwritten rules of the internet. I think it's lazy, rude and obnoxious.
Dear "Mr. Peace:" Why don't you ignore me like I suggested? What is your reason for keeping this going? It's obviously personal for you... what did I do to you? Nothing "peace"ful about your attitude or posts at all...
