I have been working on my reports following some of the guidelines found here by all you great folks and first off-thanks. My question is this: On EX they list 4 different addresses and several name variations that I have never used and never lived at. I am having a very dificult time getting them to validate several accounts-They are not mine, so I know no validation exists, I have read that by deleting the erroneous personal info may help clear some of these off. Has anyone called the 800# and had any success in clearing personal info over the phone? Sorry for the rambling, I am just starting to reach a point of total frustration with the whole thing. No matter what I try, or send, all 3 CRB seem to be able to verify accounts that are not mine!!!!!
Sounds like your file might have been mixed with someone elses. Have you tried looking up those addresses to see who lives there? How about contacting the original creditor to verify the info being reported.
Definately call them. That should be the first thing you do, before you try to dispute them as not mine. I wish I had done that, and I probably wouldn't have that last derog hanging around. I called, and they instantly took off a few addresses, and weird variations of my name.
No matter what I try, or send, all 3 CRB seem to be able to verify accounts that are not mine!!!!! jp1010 ==================== Accounts you do not have cannot be verified so they are not verifying!
I called and was able to reduce the list of addresses from 17 to 10 instantly! I do not think there are many times this will make much of a difference, but I want all this trash off my report!
