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Discussion in 'Credit Talk' started by texastrini, Apr 2, 2001.
What type of case/experience did you have?
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Shyguy is a client
If he misses this post of yours, try again under his name. I am curious myself how they are doing.
To be honest, I'm not sure what to think. For example, in my second round of disputes, I had:
TransUnion -- 4 deletions, 4 verified
Equifax -- 2 deletions, 4 verified, 1 in-between
Experian -- 2 deleted, 5 verified, 2 updated, 1 in-between
The in-between is one creditor that sent me a letter saying it would remove a duplicate account. Only TransUnion fully deleted it. In the investigation results, Equifax says it is deleted, but it's still on the report with the comment, "Consumer disputes-reinvestigation in progress." Experian's reinvestigation results says "reviewed" (not remains or deleted), and the duplicate account is still on my report.
I have been getting some good deletions. But what upsets me about the results is all three CRAs are verifying information that is not correct -- and sometimes even updated the accounts to an even less correct status. So I have to call my creditors and ask them why this was happening. I get the impression (though I have no way of knowing if this is true) that BR simply keeps sending out "not mine" letters in hopes that creditors won't bother to verify.
I guess because BR is a law firm I expected a little more -- like sending LizardKing-style letters to creditors who were reporting incorrect info. But for me, the next round of disputes will be the telling point. If I don't see truly wrong info deleted or at least corrected, I'll probably explore other options. (This inaccurate info has cost me at least one secured credit card that I qualified for but didn't get because my credit report was wrong.)