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Discussion in 'Credit Talk' started by ShyGuy, Apr 3, 2001.
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Junum has been pretty successful in my case. I don't think that they contact creditors...they only deal w/ CRAs. It is a big mystery as to Junum's dispute strategies. I'm curious myself but the bottom line is that if they let their *methods* get out, then they would be out of business, right? The only thing that made me mad is that on round 1 they disputed stuff. Then on round 2, they re-disputed stuff that came back verified on round 1. The CRAs (Experian in particular) notified me that they would NOT be re-investigating these items. I thought it would be logical to move on to other stuff and then come back to the verified stuff later on but who knows. I have been getting about a 40% deletion rate with Junum.
Junum knocked off over half of my negatives during round one and two of disputing. I have no idea how they did it.
On round 3, I asked them not to redispute the 2 negatives on TU. They did it anyway. If they didn't do as I asked with EQ and EX - then it's goodbye and on to something else in a month. probably lexington full service. We'll see.
Experian won't reinvestigate
I have the same story with Experian. BR disputed, and Experian verified. So BR re-disputed, and Experian refused to reinvestigate. Only Experian verified a lot of incorrect info. And this is preventing me from getting credit I'm qualified for.
I guess this makes me wonder about BR, Lex and Junum -- are they simply aiming for deletions, or can they at least force the CRAs to report correctly? (For example, mortgage companies want you to pay all chargeoffs. How do credit-repair firms get the CRAs to acknowlege the debt was discharged and not charged off?)