I have had it with Experian, they claim verification on 6-2001 and yet the last report from the company is 9-1995. Do they think we are stupid? I am definitely going to phase two of my plan. this account charged off in 6/1994 and EX wants to claim they verified that it was charged off in 1995 and that htey have verified. I disputed the same item with EQ and TU and it was deleted! EQ and TU had the same addresses and the item was deleted because it was outdated. When you have more than four disputes, I think they pick and chose which ones they will actually verify and then send back the rest as verified. They can't let you all at one time, they want you to workhard for the deletion. Experian is definitely playing games. Because when I found that disputed one or two things they actually verify the item. I needed to vent! Cyprigirl
Does anyone know how long after you have applied and was denied and report is cleaned up, that you can have the CRA send your report to creditors reconsideration? Thanks Cyprigirl
I am beginning to think that a checking and savings does increase your score, I got my score before I opened a new chekcing and savings and then a week later after opening it my score jumped 57 points, I thought it was the disputes, it was not because after the disputes I gained 2 points, 3 accounts deleted and 1 late removed. When I opened my account, my bank did a hard inquiry and soft for the checkcard. My bank pulls only with EQ. Most banks verify the check card or checking account with EQ. I just thought that was interesting to know. Any feedback would be welcomed Cyprigirl
In my experience, Experian is the worst of the three. I have also had them "verify" things that I KNOW they never did. I think I have finally gotten my duplicate account stright although it hasn't fallen off yet. But, I do have my letter from the original cc company, so I going to send in a dispute next week with a copy of the letter. Now, I have to again dispute something else. An account from Discover that mysteriously appeared in April. I know that they will come back verified, so I ought not to waste my time, but, I don't like the fact that I have 2 tradelines there that are not mine. They are positive tradelines, but it makes me a little nervous about where they popped up from and what else might POP up. I have no doubt that they don't ever VERIFY a thing. Also, my mortgage disapeared from my report. So now I have to write the old mortgage company and ask that the trade line be re-inserted. It's closed, but I want my positive 5 year payment history back. EXPERIAN SUCKS....I AGREE.... it seems everytime I get the report just about correct, something else happens.
I even checked my EQ and TU reports to check the dates of previous disputed items and when they were verified. It matches up with when the company reported. I would definitely suggest to anyone looking at their report from EX to check out those reported dates. Because for them to have verified, the company had to report back to them whether the information was indeed correct. This is sloppy work on the behalf of EX. I really believe they pick and chose which items they are going to really verify and then wait and then send you a message the accounts been verified. HAHAHAHA! So watch out for those reported dates. I have already fired off a response to EX about their supposed verification. Does anyone have the fax number for EXperian Dispute number? Thanks Cyprigirl
