As a newbie myself, I wanted to share a valuable lesson. I recently disputed 5 items at the same time with EQ. Stupid. Really Stupid. I assumed that each item would be handled separately. Nope. My situation now is that 3 of the five are "deleted" per EQ, but will not be reflected in the report until the investigation is completed on the other two items. One of them is a state tax lien I expect will take the full 30 days. If I had disputed them separately, my scores would already reflect the 3 deletions. I do have a question, however. I am not sure that what they are doing is legal. The FCRA states that the CRA must follw "reasonable procedures to ensure the maximum possible accuracy of the credit report." Well, they now know definitively, and have told me directly that 3 items have been changed on the report, but are not being reported to the public...this seems to be a violation of the FCRA. Now, I know they have thirty days to complete their investigation, but they have laready completed the investigation on 3 items, but are not reporting it. What does everyone think? Anything I can do here to get them to report the deletions right away, without waiing another 3 wks for the lien investigation to be completed?
Good question. I'm not sure I have an answer, but I will share an "experian-ence" (new word from the smogtek dictionary). On Jul 8 I disputed 2 tradelines with EX by phone. Actually, it was 1 tradeline reported 2X on my report. ALL the info was IDENTICAL! Well, I called EX Monday to check the status and they told me that 1 had been deleted and the other was PENDING! Can you believe these morons? Anyway, I happened to have a copy of the "agreed to delete" letter in my handy-dandy files so I sent it off to them Tuesday - CRRR of course. We shall see.
