CreditExpert's dispute system IS Experian's website© Once you get a report #, you can dispute directly @ www©experian©com/consumer Saar
Hi Saar !! I haven't spoken to you for some time. Hope you are doing well. As the result of your thread, I accessed CreditExpert and noticed the removal of the ability to dispute inquiries. Along with.... A change in font size of the printed word on the website and other minor changes. Perhaps, Experian is just updating the CreditExpert site. On another note, the CreditExpert inquiry dispute process has been sweet. In my case 26 inquiries were deleted. One ( 1 ) remains from eight months ago. This ability to dispute Experian inquiries was quite contrary to EQ and TU. I have always suspected that it might not last. Let's hope that Experian is just updating the website and that the ability to dispute inquiries via CreditExpert or Experian will remain available. Best regards, Jim
In place of the option that used to say "investigate inquiry", the long litany now reads: "Requests for your credit history lists those who have reviewed your credit. It is simply a record of fact. REQUESTS VIEWED BY OTHERS According to the Fair Credit Reporting Act, credit grantors with a permissible purpose may review your credit information without obtaining your consent. If you have visited or had any dealings with this business in the recent past, they may have had a permissible purpose to review your credit. When a request for your credit history is made, a record of who made the request and the reason they reviewed your credit will display on your credit report for two years. Experian's customers may provide your credit history to other businesses with a permissible purpose who may wish to grant you credit or employment. If you request it, we will provide you the name, address and phone number (if available) of the end user of your credit information. If you have evidence that someone reviewed your credit information for a fraudulent purpose, please explain the circumstances in writing to us and we will investigate your claim. Write to us at Experian, P.O. Box 9556, Allen, TX 75013. Be sure to include your full name, including middle initial and generation (such as JR, SR, II, III, etc.); current mailing address; Social Security number; date of birth; previous addresses for the past five years; spouse's name and Social Security number, if married. " boy, I just can't wait until some cocky company posts a hard inquiry on Experian without my permission again!! I'm going to blast the hell out of Experian and make a solid example of their kiesters!
Without a doubt, that is the biggest, oldest lie in the history of credit reporting. First they code it as a "hard" inquiry, which suggests you were applying for credit (which, in turn, lowers your credit rating). Then, they tell you "it's a matter of record". To pull your report, one has to have "permissible purpose" as defined in the FCRA. How can having permissible purpose be a matter of record?! I'm now convinced this won't stop until we begin aggressively seeking class action remedy. Saar
The letter I sent to Planet Feedback: http://www.planetfeedback.com/share...23-110-0-0-20-0-fb_date-desc-172475-0,00.html
one of the reason is most people don't know how a Inquiry hurt you. They don't even know what a inquiry means, many people never look into there report. That's why they can play games with our credit because most people do get it .
I think it's only temporary, I remember when they first started letting people dispute, there was a time where the dispute button was gone. It would appear and dissappear. If they where serious about this, the empty space where the dispute button belongs would have been gone also.
I hope Leo is right. I just got 4 inquiries off but I want to apply for more credit later on and then delete the inquiries. As he says, there is a blank place where the investigation button was.
How did the CreditExpert/Experian dispute button work? After you click and report an inquiry-dispute did the computer system automatically delete the inquiry, or did an employee read your dispute and make a subjective decision of his/her own regarding the dispute?
