I'm stunned. For the first time since I can remember, I have a credit report with absolutely no negative information on it at all. When I started in March, 2001 my worst report was TU, followed by EX and EQ. I figured TU was a lost cause. My last negative was a fully paid (as of early this year) Discover account with late 90 day late pays from late 2000. I have disputed this account over and over again. Finally TU just said it was frivilous every time I disputed it. I was going to give up. Last month I tried to dispute it one more time. Today I got the updated report in the mail that they had deleted. Pardon me while I sit here in shock.
HaHa I know the feeling. Congrats. The last neg that I had on Equifax took me believe it or not, 8 disputes. The last dispute finally got it off. I have no idea why but I didn't complain. Again, congrats on the clean report. Feels great.
Did I read this correctly? Question 1: You disputed more than once and was labeled frivolous? Question 2: You disputed yet again and it worked?
Dave, Congrats to you!!!!!!!!!!! I'm going to put some kahlua in my coffee and hold it up to the monitor for a well deserved salute. CHEERS! Sassy
Hey so whats your final score? how many good tradelines do you have and how old is your oldest tradeline?
Believe it or not I did almost the exact same thing with Experian, took me 9 times and after the 3rd they said...No way are you disputing this again. Well after a couple months I was able to re-dispute, each time it came back verified. Sometimes in a day or so. The last and final time in which it was disputed and deleted is what I think did it for me... I contacted Experain and made a fuss to a rep. I said how is it you are able to verify this info in less then a week. I said I want to know who you contacted that verified this in a week since I know this information is false and I'm not able to get a response from anyone at the address you list as the furnsiher. I faxed my validation letter and a copy of the return receipt. I fax them 4 more letters that I sent to the OC and didn't receive a reply. I think Experian knew I was on to their little con game of dispute and verify in less the a couple of days. I said I was going to next fax them a procedural letter per the FCRA. The lady said we can re-dispute this one last time over the phone if I'd like. I said "Yes" I would like to and make sure the info I faxed you gets to the furnsiher for a response. Because if it doesn't and it comes back verified again I will have no problem proving in court that you really didn't verify the tradeline or either give them my info I supplied. Result......Deleted within 10 days! The key to winning this dispute game is to never give up! Keep on disputing no matter what they tell you. They would love to dispute it once, verify it and then tell you to add your 100 word statement which doesn't get read anyway. Keep at it, you will win in the end. Tac
You've made some amazing progress lately, Dave. At that rate, you'll be looking for a home refi in no time Saar
