I joined Junum last month, after hearing raves about them. I waited a long time, and spoke to them at length before I joined. I went to their site today to see the new set up, and discovered that they have disputed no less than 10 positive accounts on my reports. The rep I spoke to was clueless. She put me on hold 6 different times, could not answer my questions, and told me that she was showing a deletion for GMAC. I asked her how this was possible, since I just joined last month and havent received nor sent them any updated reports. She then corrected herself by saying "oh, sorry thats the one we WANT to have deleted." When I told her that there were positive entries that were disputed, she told me over and over that this was just a mistake on the site. THen she told me that disputes had actually gone out on these. Twice more during our conversation she told me that they hadnt gone out, then changed her mind. Either she was lying or just had no idea what she was reading. Either way, a scary situation. Their data entry is pretty shoddy. The names are all spelled wrong, and there are obvious mistakes such as indicating that an account that was opened in 1/01 has had 54 payments made on it. I spoke to Sylvia, a supervisor, who told me not to worry, because anything positive would be verified, and if not, would "most likely come back next month, because the companies who subscribe pay a lot of money for accurate info." uhhh, okay. The impression I am left with is that: a) Junum doesn't require much from its staff when hiring them b) They require even less from their data entry people c) Perhaps I was wrong to trust them with my personal/financial information. If these data entries arent corrected in full by the end of the week, I am canceling. The disputes cant be helped now, they have already gone out. Interestingly, most of this occurred on my Trans Union, which only has 2 negatives. I guess they have a quota to meet. I am highly disappointed.
Every company has a clueless employee or two. My suggestion is you call back and ask for Mike, he is a helpful rep and can get you better answers. I think with the new website being up only a day now, you should assume the error lies there. I would not think Junum would dispute positive items they are not that clueless. Things will look brighter when you speak to a better rep. -Dave
I hope you're right Dave, regarding better reps, but Im afraid the incorrect disputes are a fact. I spoke to Sylvia, a supervisor, who told me the disputes did go out, but not to worry since they would come right back next month if they were deleted. (This is not a guarantee, as it has happened to me before and I had to fight to get that entry back on.) And, they have wasted time. True negatives are still unaddressed a month later while they are disputing the accounts that I have tried so hard to get and maintain positively...But, I will try Mike tomorrow, perhaps he can shed some light on the subject.
Ok, first, Silvia is an especially reliable rep..It sounded like me that she was trying to calm your fears by stating that the postives would remain positive. (This happened to me and, indeed, they stayed positive.) Secondly, I agree with the suggestion to call again and ask to speak to someone who specifically handles disputes. Mike is a good resource. There are others. Explain your fears and get some solid answers to your questions. Then, of course, make a decision as to how to progress. Just my thoughts..
Nana C, So this happened to you too? It seems that this is a trend with Junum, disputing positive items. hmm....
Once I had results show up on positive items ...I called and they said they did not dispute positives. I asked why it might happen and they felt that it might be because I had been actively disputing and the credit bureaut might do it to ensure the entire report was accurate. There were no changes and no harm done.
Has anybody else, who is not using Junum, ever had the credit bureaus ... on their own ... disupte positive accounts? I'm sorry but that sounds like fingerpointing to me. Let's see, it's happened to Marypc, NanaC, LKH ... who else I wonder? That doesn't sound like a few clueless employees it sounds like a MAJOR problem to not be able to tell a positive account (or 10) from a derogatory one. I was considering going the Junman route if I didn't get good results from my 3rd round of disputes. Not anymore. Thanks for the heads up!
Please know I am simply reporting what I was told.. Everyone, of course, has to make up their own mind... I just cancelled with junum after 3 rounds..hit the wall and it was time to end for now.. but I do appreciate everything they've done and I leave 150% better than I went in.. But, I'll say it again, everyone should of course decide for themselves and I totally support whatever decision that is..
Nana, I've read about the great success that you've had with Junum. I signed up for their service in March. It is now June and I've had two deltetions from my TU credit profile. One by the way was re-inserted last week, so a total of 1. I am also trying to purchase a home. My credit reports look like this: Equifax - 5 negative tradelines Experina - 4 negative tradelines TU - 3 negative tradelines Three months and one deletion isn't making me feel too good. If you don't mind me asking, how long did you have to wait until you saw results? Thanks for your input. Manny
Hiya! I didn't get results the first time for 60 days from the time they sent the disputes...and they were the most dramatic. I sincerely wish you great luck on your mortgage...!!
Oh, I want to add..just as a reminder...that I had the situation of having my ex' wife's stuff on my reports ...so these were blatantly false entries..I guess that might have made it easier...though I had minimal luck on my own...
MaryPC - first, take a deep breath and calm down. I called Junum today because I also had several R1 accounts listed on my account. What I found out was just because it is listed on the website as being negative doesn't mean it was disputed. They are simply showing what accounts have negative implications. Now, they just updated their website and are having some growing pains. I checked again today and the positive accounts that were showing yesterday negative are no longer listed. They corrected it. Second, call Mike Stanton tomorrow. He will go into detail with you about what is being disputed. If these positive accounts are still listed as negative ask him why. I really think it's just a bug in their new system. Again, just because it shows on the website does not mean it was disputed.
Nana, Thank you for your reply. We will probably make an offer on the home tomorrow so all the fun will start next week. Best regards, Manny
MiamiBlues, Just my 2 cents worth. I think the more negatives a person has, the easier it is to get results - in the beginning. The fewer - the harder it is. You don't have that many compared to what I had and what I have seen posted here. So, it may be slow going. On your transunion you have had a third deleted. I wish I could get 30% of my derogs deleted each time.
NanaC (The above quote is in reference to my post where I asked, "Has anybody else, who is not using Junum, ever had the credit bureaus ... on their own ... disupte positive accounts? I'm sorry but that sounds like fingerpointing to me.") Gosh, I hope you didn't think I was implying you were making it up. I meant that I thought Junman was pointing fingers instead of taking the blame for their mistake. Now I have to answer yes to my own question now because since then I have indeed had a credit bureau (equifax) "dispute" positive accounts for the purpose of verifying old addresses. I say "dispute" because, while the accounts are marked as being in dispute and under reinvestigation, apparently the accounts themselves are not in dispute. The creditors are just being asked to verfiy if they ever sent mail to any of the old addresses I'm disputing. So maybe that's why, in your case, some good accounts were showing up as being disputed?
Re: NanaC Just a note on "Disputing Positives". When I was at their facility last month, they took me through the entire process. The technology they use to dispute negatives is not even capable of disputing positives. It simply cannot happen. I believe the confusion was that the member support rep does not know in detail what the processing dept knows. Since the new features to myjunum just went live, she was probably reading and trying to decipher the info for one of the first times. I wouldn't worry about positives being disputed primarily because I asked that question when they showed me the process and I was shown that it cannot be done. The reason why is that the technology software will only pick up anything from R2 up. It cannot even read R1's and for a reason.. to avoid actual disputes being mailed on posi's. That is my understanding anyway. Cheers!
Re: NanaC Linda..don't you worry..I didn't think anything but I wanted everyone to know it wasn't my opinion, just what I've been told.
Re: NanaC Thanks for the words of encouragement, everyone. I have indeed calmed down a bit now mainly because I logged back on to the Junum site and I do see that there are no longer any positives listed under the "negatives" category. I am still a bit concerned, because two reps (including the friendly Sylvia told me that yes, disputes had gone out on the positives, but not to worry because the creditors would verify them, and even if they got deleted, they would be reinserted. Either it is possible (which seems unlikely thanks to Kristi's input) or the reps arent aware of that, so they are giving out info that is incorrect/upsetting to subscribers. Either way, I am giving it the full round to see what happens. I did check my score on the Credit Expert site, (btw 622and I was able to see what is being disputed, and so far it is only negatives. Thanks for the advice and help everyone!
LKH, I think we can compare the credit repair process to weight loss. The heavier you are, the more weight you lose. The same for credit repair. The more negatives you have, the more they seem to come off. Thanks for your input. Manny
