You are not going to believe this. Finally got our scores above the 650 mark, went to our credit union to refinance, pulled husbands equifax, 678, pulled mine, and error came up,(keep in mind, IVE BEEN TRYING TO PULL IT SINCE 4/25 BUT tech support says I have too many inquiries for the system to generate a report. Will be repaired in 2 weeks.) so Sara from the credit union called Equifax to find out why she could not pull my report and was told they were in the process of CLEANING MY CREDIT REPORT!! does this look good or not??HELLO, just reached 650 with this CA and now cant get a report. The inquiries are with their service. Any sugggestions, such as a loaded gun, you know thry will not approve application now.
They can remove ALL inquires 1+ year and it will help...if that doesn't work...they will have to remove ALL inquires 6+ months...
THEY HAVE TO, IT'S REQUIRED BY LAW THAT YOU ARE ABLE TO GET YOUR REPORT...SO IF IT'S TOO BIG, THEY HAVE TO GET RID OF THE INQUIRES!!!
Just got off the phone with Equifax, and they said, "I must call the reporting companies to get inquiries removed." It is not their policy to remove credit inquires, nor is it their policy to investigate inquiries. Said my report would be up for viewing within two weeks, got credit rejection from Target today,(who does pull equifax) and was denied for to many inquiries. I thought the soft inquiries for the credit watch did not count. Help..Should I call Target and see if Human can help?
Keep all documentation concerning EQ and file on them for FCRA violations. Have you tried to talk to a supervisor? Or their supervisor? Or theirs? It is pretty blatant what they have done with your credit file, and they have opened themselves up for punitive damages. Keep us posted. Charlie
OMG!! Just tried to pull report, told the same thing, called EF sup. and was told the problem was tech. and they were trying to repair. Could take up to 10 days. In the meantime, called the Credit Union doing our HELOC and was advised that because of the problems with the file, they were denying our loan, to reapply in 90 days. We were also approved through US Mortgage for an intrest only loan on some investment property, to close this Friday. Broker called this morning and said underwriting tried to pull updated credit reports prior to this weeks closing, and were unable to access files. Translete, they are denying our loan due to credit problems. Help, this loan closing will cost us close to $12,000.
Wow, Megansun...you really, really have some grounds for big bucks here, IMHO! For this one, you should be able to interest an attorney! L
Latest update. Went from tech support back to customer service. Seems the problem is to many inquiries for the system to activate the report. Customer service is the only one that can delete any of the inquiries. Get this. They said, the superv., that Equifax can not and will not delete any inquiries, hard or soft, without the reporting agency asking for the deletion. I asked if this means that the report will be unavailable for the next year or so. Their answer was "some inquiries remain 1 yr, some remain 2 yrs". They did offer to snail mail the report, minus the score to the Credit Union and the Mortgage Co. Hello!! they now think I've committed some kind of major FRAUD>>with the loss of the investment property and the HELOC, this weeks loss is now up to $12,000 + $15,000. I guess no tution for our son this semester.
Megasun, How many inquiries do you currently have on file?? Hearing your story got me worried since I am dealing with CSC (local Equifax affiliate) for cleaning up mostly cosmetic stuff on my file.. However, I get 4 soft inquiries added to my file with each dispute.. I currently have about a total of 60 inquiries on my file (only 1 is hard though) I had no problem pulling my file and score online so far but I will be applying for a mortgage soon and hopfully by that time, Equifax would have got their act together...
tHIS IS WHAT WE CANT UNDERSTAND. OK, IVE CURRENTLY GOT ABOUT 48 SOFT INQUIRIES AND 15 HARD FOR THE LAST YEAR, BUT, IVE DISPUTED THE HARD BECAUSE OF A MORTGAGE BROKER THAT WENT CRAZY WITH MY CREDIT FILE AND APPLIED EVERYWHERE FOR MORTGAGES. OF COURSE, EQUIFAX WILL NOT INVESTIGATE NOR DELETE ANY OF THESE FILES. I JUSR GOT BACK FROM MY CREDIT UNION, AND THEY TRULY THINK I HAVE DONE SOMETHING ILLEGAL. THEY ARE STILL DENYING THE HELOC AND WE CAN REAPPLY IN 90 DAYS..IM SOOO PISSED OFF. THIS WAS OUR LIVING EXPENSES FOR THIS SUMMER.
Credit sucks You think youv got it bad some jerk has accessed my credit somehow, and now I cant even verify on phone or internet who I am. I cant even see my report to fix my report. They will all burn in hell for being bloodsuckers. I dont even need the credit I just wanted it my 2 cars and home are paid off, but I wanted a motorcyclye and i was short 3000$ from the 10000$ they wanted damn. Turned down for a 3000$ loan when I own full out a home and 2 cars newer than 2003. May the system crash and burn so we may all start over with sticks and stones ha ha ha. One pissed off mofo signing out
You should be able to call, answer some questions, and get your report. Do you have any credit if everything is paid off? If not, you may not have a file, which is why you can't access it.
