Using combined credit reports

Discussion in 'Credit Talk' started by kenny, Dec 20, 2000.

  1. kenny

    kenny Well-Known Member

    What do you think about using the combined credit reports to disupte charges. Should I do it? IF so should I black out the info from the other 2 credit reporting agencies. If they see items on there that they don't have will they add them or not delete items they see that is the same from other agencies.

  2. john

    john Well-Known Member

    RE: Using combined credit repo

    (1) - Black out/remove ANY information that's on a report that the recipient has no business knowing. Most reports only contain partial account numbers, so it won't matter. And if you're sending it to another CRA, then they have all the access to your account information anyways.

    (2) Sending copies of two of your credit reports to the third credit bureau won't do a lick of good. Either they verify it with the original creditor, or they don't verify it with the original creditor. TU doesn't give a rat's behind what EFX's or EXP's report shows - they go by their "customers" word (or lack of) regarding your account(s).

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