Now that I am on the way to establishing new credit after my discharge from C7 in early December 2002 I am tackling my "baddies". My first and biggest "baddie" is my second mortgage, which shows as "included in bk" but isn't because I reaffirmed it. After receiving my first post bk credit reports in early February 2003, and seeing this same notation on all three, I called my second mortgage to ask 'what gives?' because the 60 days they had to rescind the reaffirmation period had been up for over a month. The very nice bk rep said she would check the status of my filing so she called the bk court itself. Turned out that my case (debts) had been discharged but my case file had not been CLOSED. Long story - gist of it is the bk clerk who closes the cases for my trustee had been fired leaving tons of cases "unclosed". The second mortgage co's policy was to wait until the bk case was closed before updating their notation to the CRAs. Okay. Fine. It took me another two weeks of calling the bk court daily to get my case closed. The day I had confirmation from the court that the case was closed I called my second mortgage co again and said that We were good to go. A couple of days later (3/6/03) I received a letter from the company saying that they had notified all three cra's and to wait 30 to 45 business days for the CRAs to update their records. It has been roughly 30 business days now. My question is does this qualify as a "dispute" and can I expect "free reports" based on the updated info? I don't want to pay to order my credit reports again so soon if I don't have to. I was going to wait another 4-6 weeks before ordering my next round. Thanks for reading.
Did you actually dispute the incorrect entry with the CRA? If not, I don't think they will send you a new report just because there was a change made to your report by a Creditor. To get new reports for free, you just need to dispute the TL with the CRA's. Then wait about 35 days until their investigation is completed and they will send you new reports. Hope that helps.
Do all of them send updated reports after a dispute goes your way?? I have only received new reports from TU. I have NEVER received a new report from Eq or Exp - I usually buy a new one: when cw tells me an update has been made and when exp says they have my results. I never even thought about it either...hmmmm
That's an interesting question. When I received my CRs in early February, only TU was showing my ex husband's AMEX account (I was an AU and only charged ~$100- long since paid off) in good standing - lol, since I knew his personal acct had been charged off and turned into nasty CA's about nine months before. Well I disputed this acct as "not mine" online in mid- Feb and several weeks later received a new TU report with "account deleted" on it. But, late June 2002, I sent a letter to Chrysler (our leased vehicle had been taken to my ex's girlfriends and then my ex stopped paying for the car so it wasr epo-ed) saying I had months ago (November 2001) said our car was no longer garaged here. When this vehicle was auctioned in late April 2002, Chrysler implied that "we" (my ex and I) had concealed the car and so could not redeem it. So the letter I wrote to Chrysler asked "how could they imply that some type of concealment occurred" when I already sent them a letter in Nov 2001 telling Chrysler where to find the car (at ex-h's g/f). I included my Nov 2001 letter and also cc'd all three CRAs. Never did hear a word from Chrysler but in July 2002 got a new CR from Equifax stating that Equifax had "investigated" and "verified" our joint debt. I realize that this is a lot to read but was hoping that my second mortgage situation would be similar because my Chrysler letter was not "precisely" a "dispute" of my debt either. I was just asking Chrysler why I could not redeem the car because I had done nothing shady.
kelcol, Where I live, Equifax is through CSC and they do always send me an updated credit report after an investigation. Experian usually only sends me the results of the investigation, but sometimes sends me the results with a new report. I just called Experian to find out why this happens; the lady said that they ALWAYS just send the results. I then told her I was looking at a report they had sent after an investigation. She said that if I asked for an investigation on something, and it was already listed as I requested, they probably sent me a full report to show this. Looking back at the couple of reports I have received, this seems to be the case. I requested an investigation of a Verizon account, but by the time they did the investigation, it was already deleted, so they sent a full report. The investigation results read "Using the information provided the following item was not found -Verizon". They also seem to send a report if they "Update" an account instead of just deleting it (but can't promise that). So maybe ask for an investigation on a bogus account to see if you get a free report! Worth a shot. As you said TU always sends a new report.
According to the FCRA they are supposed to send you a new report at the end of an investigation. Of course, EX doesn't think the FCRA applies to them: (B) Contents. As part of, or in addition to, the notice under subparagraph (A), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph (A) (i) a statement that the reinvestigation is completed; (ii) a consumer report that is based upon the consumer's file as that file is revised as a result of the reinvestigation; Write them a letter demanding your new report.
