Help with Equifax Dispute Results

Means it is still under investigation. They will update it automatically in 30 days from the start of the investigation. Wait.... if they send you a update where they've verified it, use the report number and start an investigation online.

good luck,

bkev

 

You might want to look that report over again.

Every time I can recall ever having seen that comment on a credit report it said that the account had already been verified and that the consumer disputed.

I am quite sure that there are other variations that I have not seen before.

I always made them take that comment off the reports because I never did dispute the debt, all I ever did was to ask them to verify it which is not actually the same as disputing the debt although they generally consider that it is. I never considered making them take it off was anything more than just proving a point. Gotta have the last word, dontcha know... (LOL)

Then I started getting the standard dumb answers to my requests for validation so I just quit fooling with them altogether and started going after the creditors and collection agencies, and by catching them in various acts of breaking the laws I have been able to fast talk them into taking it off the credit bureau reports for me rather than to take a chance on having to explain to a judge and jury why they committed whatever various illegal acts they may have committed in the process of trying to get the debt collected.

It probably isn't that I have them nailed to the cross (so to speak) but the thought of what it might cost them to defend against a possible lawsuit compared to what their gain would be that apparently gives them the willies. They are not likely to want to take a chance on throwing good money after bad money. And quite often the cost of just hiring an attorney would be more than what they could hope to gain even if they won. They are far better off chasing easier money than going through a possible hard fight just to get a few bucks.

I think that if you know how to pull it off, it's a far better way to go than endless fights with credit bureaus.

Of course, that's just my personal opinion. Others might not think my personal opinons are worth much.

 

Don't sweat it.... It's under investigation. It happened to me all the time with Equifax. If you have two investigations going on for different items, when the first one concludes, the second one is still under investigation and it's a placeholder.

After a little talking with the customer service rep I learned the notation does not show up on an inquiries pulled for new applications, but they will send out an "pending" update to companies who requested your file in the last six months IF IF IF IF you requested that they be sent corrected reports at the end of the investigation.

 

Just call them and ask for an update. It's possible that your request for an investigation got entered under two entries. Did you argue two were not yours and one was never late or something like that?

 

As I said before, I think it's just a kind of standard notation they put on all reports where you disputed and they claim to have verified.

I don't like the notation because it just seems to me that they are kind of laughing at you so to speak. Or "thumbing their nose at you" type of thing. Seems to me that in net effect they are saying that "we know it's right, but this worm wants to argue about it."

However one wants to define it, I tend to look at it as a derogatory comment whether it actually is or not. Right, wrong or indifferent, it's how I look at it that counts to me.

So I always force them to take it off and I can do that because I never send in a dispute letter. I think it's basically a waste of time and money.

Now then, I must grant that lots and lots of negative items are successfully removed by simply disputing over and over again. In fact, that's the way most of them are removed. So it does work.

But all of that not withstanding, when the going gets rough and you are down to the last ones that won't go away then you have to have some heavy artillery to get rid of them.

And getting rid of the credit bureau reports don't do a thing for the fact that you still owe the bill regardless of whether or not it is on one's credit bureau reports.

So in order to get rid of the matter once and for all, I just go after the collector of the debt, force him to give up the debt and forget about ever making any further attempts to collect it and take it off the credit bureau report as well.

Then it's over and done with. No more bill to pay, no fear of getting a judgement, no bad credit reports, nothing.

It works for me and a multitude of others, and that's all that counts.

 

I would still call.

I just realized my choice of words could be confusing. Ask them for an update as to the status of the investigation. They will tell you over the phone if it has been verified or if they have responded yet.

I've got 5 bucks burning a hole in my pocket saying that it was still under investigation the date of your printed Credit Report.