Here is what I discovered, its just a thought..........Since I started my credit rehabilitation journey (or credit repair), what ever you want to call it, here is what I have discovered: its easier to have something removed with the exception of the closest credit bureau to you. I have had everything removed from Equifax and TransUnion, perfect reports. But Experian, my local affilate (meaning the credit bureau closest to my address) I have had little luck. Seriously ladies and gentleman, my TU and Equifax reports are completely clean! TU score 725 and Equifax score 682. Experian 605, everything comes back verified ect. Anyone have any thoughts? Its just my thoughts. When you havea local affilate, they seem to verifiy everything you dispute, Experian has things on my report that the other bureau's don't have. Does anyone have thoughts on this subject. Its just my opinion. The bureau closest to your address or if you have a local affilate in your area its HELL to deal with.
TU is very local to me and they just deleted a bunch of stuff - quick and easy. Also deal with Experian local office too and not really any problems....Equifax 'reaged' (is that the right phrase?) a letter I sent them.... took 1/2 of the stuff and used 1 date for that and then the rest of the letter received a due date 2 weeks later, so I'm a little annoyed with them since it's taking them 6 weeks now to investigate several items. (I called and explained and they didn't give a rats hiney). Am having problems with inquiries though on TU (local office) and Equifax - am being told that it's their policy for inquiries to stay on 2 years, blah, blah, blah.....EVEN if they shouldn't be there!!! Ozzy.
