Clean file= better service w/ CRAs?

I just wanted to share a thought with the board.


I noticed that since my files have been cleaned up, I have been getting better treatment on my calls to the CRAS.

I maybe off the wall on this but, ever since I have had my TU report cleaned up and I called in about an inquiry or a balance update, I have gotten really nice reps who delete the inquiries right on the spot. I recently had 4 taken off on one phone call and then a minor error I noticed on my file was taken care of the same day and a new report was sent to me right away.


At EQ, I have even managed to get a rep to have a couple of my inquiries investigated, which is a shocker for me and they have been very helpful on little things I noticed on my report.


At EX, when a CCC reported my account negatively in error, the rep I spoke to immediately corrected my file with no hassles or new investigations. That was an even bigger shocker to me considering my many battles with EX.

But I would be curious as to how others are now being treated since they have cleaned up their files or those that have good credit files for years.

Most dramatic one is TU, they are so friendly, it is unbelievable and they even handle my investigations, even though the local credit bureau is suppose to be the one handling my file.


This is my take on it, people with a good credit files generate more revenue for the CRAS, CCCs are more apt to do PRM or you are more apt to apply, thus inquiries and thus more CASH for them.


I say all this because prior to getting my credit in shape, I dreaded calling the CRAS and I would get the nastiest and most unhelpful representatives and I became very frustrated with the process until I saw headway.

Of course it did not help that I was not always in the best of moods when I called , but even lately when I call and admit I sometimes have an attitude when I call the CRAs, hey I have been conditioned to think they are the enemy.

I am ususally pacified real quick and the calls end up pleasantly and I am ususally satisfied with the results.

Sorry to ramble like this but I was curious as to what others think or how they have been treated.



Cypri

 

I know what you mean about the inquiries, TU is oooh so willing to delete with a simple phone call, whereas before I would get the standard BS response or no response at all when I did it online.

As for Eq, I think I got lucky that day, but then again my file is handled by the Consumer Affairs Department at EQ (Legal Department) and partly because my file has a lot of hard and soft inquiries and it is difficult for them to maintain the file with soo many inquiries, so I did manage to get a few deleted. But I said or did nothing special.


As for EX, I hear you on that one, before when I would call EX, the reps were the most uninformed and rudest reps, so you can imagine my surprise when the lady I spoke to was soo helpful and handled my complaint right then and there. I still cannot believe it.


Well I am glad to know I am not alone , thanks for the feedback, I hope others can contribute more comments.


Cypri