I received a letter from the Opt Out Department today. It is asking me to okay the address, info, sign, date it and return it to them. I was under the impression that it was as easy as calling in the 800 number. I called the number and gave them my SSN and address. No where in Search did anyone mention getting a letter from them to sign and send back. *sigh* My baddies are all attached to my hip(current address). Besides that, EX decided to add 2 lines, 2 notices to the bottom of my new address report saying that my new street address I gave them is an amusement and recreation business(gheesh, its UPS PMB)and a second line stating that it is non-residential. I could live with the non-residential but AMUSEMENT?! So did anyone else get the OPT OUT letter, sign and return it? Progress: TU took my new current PMB address. EQ deleted my foreclosure address. EX deleted all the17 addresses which were mispellings of my baddie current address. Appears they might now have it as previous and current. EQ sent a form saying they want a DL or notorized current address or something with my PMB address on it. Wouldnt it be easier if I just ordered a new report sent to my new PMB address. Don't they have to send it and update my current address? Two steps forward one step back,,,I was thinking with EX I could call and have the PMB removed. Then later order a report from them or an inquiry. Then I was thinking of just giving into my address , living with the ugly derogs and focusing on a secured credit card and secured loans. Or, best idea so far, CAVE... let them win. Not pay a dime. Take SoParkDivas advice and come back in three years. I could live on cash...
Sign it and save a copy. I did and I already have an ITS letter against Experian for giving my name out to a creditor for solicitation purposes in violation of my opt-out. That $1000 settlement check will look real nice on my wall, next to all the others.
Flyingifr....I am so glad to see your post. I have had the same thing happen to me with Equifax. They allowed 4 inquires to my husbands credit report after we opted out. I have not brought this to their attention yet as I am trying to get something else resolved with them (re-insertion of deleted payment history) so I was holding onto this as ammo. Have you received anything back from Experian yet on this? I thought for sure this has to be a big no-no X 4!! I sure could use that $4,000! ;o) If you have any suggestions would love to hear them. Thanks!
GEORGE, Ah shoot,,, *confusion* I thought I read somewhere it might help me not get checked by the CAs. But now that I think about it that does not make sense at all. Although I do have a CA sending me collection letter that is not on any of my reports and appears to be a sold account from way back. I was thinking it might prevent pulls from these types. WHY CHAT swears by its importance, Opting Out that is. *more confusion* I do not have too many inquiries on my reports. Just 2. One hard from my new checking account and one appears to be disputable. Never heard of them but they appear to be a CA. I guess it is these kind of guys I was hoping to prevent pulling a hard inquiry in the future. I also thought Opting Out might reinforce or semi-establish my new PMB address as current. ;-)
Re: Re: Opting Out & progress report "IF" your going for a MORTGAGE...the CA companies come OUT OF THE WOODWORK!!! "IF" a CA does a "SOFT" they may be PREVENTED... CA will not do PRMS...they do "HARD" SO OPTING OUT NEVER PREVENTS ANY HARDS!!! SO THAT MEANS OPTING OUT CAN NOT PREVENT CA "HARDS"
Re: Re: Opting Out & progress report GEORGE. Well that makes sense. Alrighty then, I will not waste my potential Bs by Opting Out until I am mortgage hunting. Thanks again,
Re: Re: Opting Out & progress report [highjack] Is it possible to "opt in" after opting out? [/highjack]
Re: Re: Opting Out & progress report amish, Yes,,, as far as I have read. Same process of calling the 800 number. For safety's sake, Choose the 2 year choice of Opting Out verses Opting Out for forever. Probably works the same with either selection but just in case.
