1. Can you dispute online with Experian? 2. Is there sites to still get free credit reports? and what are they? 3. What is the deal with being able to dispute with your NOTworthknowing report. I'm gonna start this again and TRY myself. I need lots of help though, but if I can do TU and EXP to hell with Equifax, I can't crack their case. The 3 little ladies that work in our local office have been there since the Berlin Wall was put up, so I have no chance at all with them.
GO GET 'EM CHRISTI! 1. Yes, you can online investigate with EXP. You'll need the Experian report number in order to start (you'll need an EQF report number and your TU file# [TU# does not change] if you want to investigate online. 2. Free reports? Get them from the CRAs. If you plan to look for work within 60 days, you're allowed a free copy. Write them at the appropriate addresses and ask for a copy on this basis. 3. You need the TU file #. Worthknowing is a vendor, not a CRA. TU is the only CRA that uses a file #, not a report #. The file # is yours and never changes. If you have an old TU report, it's the same number. You will need a recent (within 60 days) report # from EXP or EQF to start an investigation. Make copies of everything you mail and send it certified mail with return reciept. Wait to file online or telephone challenges until after you've got results from a mailed investigation on each account. GOOD LUCK!
1. Christi, have you tried the 30 day free trial of www.creditexpert.com? You can dispute online very easily with it and cancel it online hassle-free at the end of the 30 day free trial. You get free access to your Experian report for 30 days. Or use Experian directly at http://www.experian.com/consumer/cac/01_LoginPrivacyPage.jsp 2. www.Consumerinfo.com for 30 day free trial with a free Equifax report. Experian already mentioned above. 3. I am not familiar with it since it is notworthknowing. Psst. Take advantage of the search function at the bottom of the forum to access a wealth of credit knowledge. Good Luck.
I have the Experian report number because Junum was working for me (lol). I just can't find where to go on their website to do online disputing...grrr. I guess I'm making this too hard.
Here's the link you're looking for.... http://www.experian.com/consumer/cac/InvalidateSession?code=DISPUTE Again, I would do it via mail first. You'll have a legal reference as to when you started this....
GET ALL 3 REPORTS. Find WRONG information. Send by snail-mail or on-line requests for corrections or deletions. DON'T OVER DO IT...JUST 2-4 THINGS AT A TIME!!! It will take a while, but it will get done... I MADE THE MISTAKE OF TRYING TO GET THEM (CRA'S) TO DO 20-30 THINGS AT ONCE!!!
Dang, George! You even had me beat! what happened when you disputed that many at once? I disputed a dozen things with TU recently. they deleted a couple--as usual!
I have problems with my disputes being called frivolous... All I was requesting was COMPLETE AND ACCURATE!!! Open as closed Closed as open Credit limit $0 Open date UNKNOWN Type of account (JOINT/INDIVIDUAL/AUTHORIZED USER) UNKNOWN "ACCOUNT CLOSED BY CREDIT GRANTOR" WRONG!!! 2-3 "HARD" INQUIRIES IN ONE DAY FROM SAME BUSINESS
