is it true ? transunion dont dispute inquiries on your credit report.?

Credit dispute? I disputed several items on my credit report with Transunion. They sent me an E-mail about a month ago saying the will send me the results and or an updated credit report when the investigation is complete. If the creditors did not respond within 30 days are those items deleted from my credit report automatically and if so will they be taken off the reports from the other two credit bureaus.

Dispute an account on credit report? Address/fax or tel # of Experian, Transunion and equifax please? What is the telephone number of Experian, Transunion, and equifax? I need to send them a letter from the collection agency that they want my account deleted, they sent the request and sent me proof in letter form. The telephone numbers for these 3 agencies lead me nowhere, I never get in contact with a live rep. Can anyone help guide, me on how I can get the account removed, I have the deletion letter with me. Thanks.

Credit dispute? Has anyone been sucessful in having negetive items removed from their credit report by disputing the items with transunion, even if those items are actually correct but you just wanted to try to get them removed?

Do I need a membership with the credit agencies to dispute any bad credit items by mail.? Do I need a membership with Experian, Equifax, and Transunion to be able to dispute credit by mail?

TransUnion Dispute? I recently purchased a credit report from TransUnion (TrueCredit) and was shocked when the report contained all accounts owned by my brother mixed in with my accounts. Our names are similar; different middle initials and share a previous address (our parents). But shouldn't the report be based on SSN?

If I dispute something on my equifax credit report do I have to do the same with experian, and transunion?

Will I get different outcomes on my credit dispute? I am fixing to dispute something on my credit report. I will be sending 2 letters, to Equifax, TransUnion and online to Experian. How likely is it that I will get differant responces back. Or is that impossible? Should I send them all together at once? Or does it matter? Thanks in advance, for listening to my ignorant questions lol! Won't know till I ask. Ok thanks Guys i will send to all 3!

A judgement was recently deleted from my transunion credit report, will it automatically be deleted from other A judgement was recently deleted from my transunion credit report, will it automatically be deleted from the other two reporting agencies or will I have to dispute this item two more times. Also, I believe a lien was filed on myself because of this judgement, what do I do next.

How to dispute credit? I had credit pulled by a mortgage company and noticed errors. I want to dispute but I don;t want a credit report from the companies (I mean, I already have one, why the overkill) do I HAVE to have one by them to dispute online? If I want to dispute by mail, do I have to use the form from Transunion since I do not have a credit report by them. Also, what is the mailing address for Experian?

1 out of 3 credit burea refused to remove items from credit file claims i have to dispute with creditor? experian has refused to help with me with my disputes on my credit report even when transunion and equifax has done a good job resolving my issues...experian is insisting they can't help me that i would have to go back o the creitor and dispute the information but we all know the creditors are only going to want to settle which end up still having me pay some sort of money out of pocket which should not be the case in the first place please advise as this is really hurting my credit

***How do you dispute bankruptcies on your credit report???!!!!***? My hubby and I are in the middle of a bankruptcy (chap. 7). It will be discharged sometime next month. I heard you can dispute bankruptcies, but how do you do it?? How would write a letter to them, who should I write it to, the creditors or the credit companies like Transunion or Equifax? PLZ help!

Dispute With Transunion? I got back the results of some disputes with Transunion. They removed 2 collections and 2 judgments from my report. Then today I log into True Credit and see they reinserted one of the collections. What can I do to rectify this?

If you disputes items on your credit report with experian do you have to contact transunion and equifax too? I disputed some items on my credit report to experian. Do I have to contact the other two credit reporting agencies to dispute the same items?

Help! Credit problems with Experian and Transunion.? I was the victim of credit card fraud and have successfully disputed the item from my report with Equifax, but Experian and Transunion are not removing the items. Experian is impossible to reach much less speak to a real person. Anyone have any suggestions? Thank you so much!

In need of information on how to dispute a claim on credit? My company has another company claiming we owe them money and has sent us to collections. Is there a form or number I can call to dispute the claim? I tried calling Experian, Equifax and TransUnion and have hit dead ends. Can anyone make a suggestion on how to dispute this? Should I just put a fraud claim into the credit agencies? Help Please! Thank You! This company claims that we agreed to recieve a 6 page booklet and is charging $236. We have argued with them for months stating that no one in their right mind would pay $236 for 6 pages of information. They have not been able to prove anything yet they still have sent the charge to a collection agency.

Transunion has removed negative items from my credit report. Do other companies have to remove them too? I have read that other credit reporting companies are required by law to do this. But I don't know what the correct procedure is. It's not as simple as filing a dispute with these companies using their online dispute forms, because these don't allow you to attach information. Do I mail a copy of the transunion resolution statement to the other companies intead?

What is the mailing address for the three reporting agencies for disputing credit? What is the mailing address if I wanted to dispute credit with Experian, Equifax, and Transunion? I had the report pulled by a mortgage company and I noticed errors. Do I also need a report by the reporting companies?

need credit advice? two months ago I paid off everything on my credit report. My exp and equifax have both jumped up almost 100 points. however, My transunion report still shows all the debt. I sent a copy of the payments, and the letter from the company who has all of these accounts showing they were paid to transunion disputing them. By the way they were all medical, I called the collection agency, and they said my wife had a bill however it was before we were married. They said that if i didn't pay it they wouldn't mark everything paid. Transunion did there dispute and didn't remove anything. What are my legal recourses, I have the letter with every account showing paid from them. The best part is they waited till after I paid everything to do this to me. Also one more quick thing.... I also have a bank of america showing derogatory, but it wasn't my account. BOA says its not I did a dispute, and now it shows paid but derogatory how do I proceed with this. Thanks in advance for your inpute.

credit disputing? ok so i disputed 3 items off my credit using the experian website! i got a response (2 days later) saying 2 were deleted and 1 was updated! now when i check my report with experian it dont show those 2! but i got an account with transunion.com---which has all 3 reports and it hasnt updated on that site yet! do anyone know why is that? when i look at my report on transunion it still so the date i order my report! is it a way i can update that information?

Is there a fee for disputing credit? Is there a fee for disputing credit if I write directly to Equifax, Transunion, or Experian?

Can a collection agency place a debt on your credit from 1999 in 2007? Debt from a school through job training back in 1999. It was just recently placed on credit and tried to dispute it, but Transunion gave an unclear answer as to why it was not removed. The answer was it is all automated. About $100 dollars was paid in total. I'm not sure how much is totally owed because I was asked the question, it's not my debt.

Pay Collections items on my credit report.? If I pay the collection item on my credit report can I then enter a dispute w/ transunion to have it removed since now it's paid and the credit report wouldn't be accurate. I see you can hire a law firm called Lexington Law can an attorney have a collection item removed if I pay it. Or even one of those credit repaire companies.

What can I do about incorrect information on my credit report? A company put on my credit report that I didn't pay a bill; however, I did pay it. I called the company and they told me they would have it removed off my credit report within thrity days. Well, thirty days goes by and it still wasn't removed. I called transunion and disputed the information, and gave them the name of the person who told me that they would remove it off my report. About a month later I got an updated credit report, but instead of it being deleted they only updated it as paid. I called the company back up and spoke to the same manager I did before. She told me that she would write them a letter to have it removed. Thrity days later it is still on there. I dispute it again and all I get is a letter saying that it has been verified, and it is not only on transunion, but equifax as well.

How to get a collection agency I have already paid to get the credit reporting agency to remove negative info? I have already paid the collection agency for a "delinquent" account, but the negative info (the record of a collection) has not been removed from my report. What is the best (easiest, cheapest, least painful way) to get this removed once and for all from my report? I have already disputed this with the credit reporting agency (transunion) but have received nasty, computer-generated letters from them indicating that I have to show "proof" that this entry never should have been on my record in the first place. HELP!~

How do I am my AU account back to credit report? In May I disputed my AU account with Transunion because the balance was incorrect. Instead of updating it they deleted it and hasn't showed up back on my credit report. I sent Transunion a letter along with a statement of the account but the only response I got was a credit report. I was wondering if my mom was to ask to let me be a cosigner on the account instead of being a AU to keep the credit bureaus from deleting it when I dispute it? Anyone ever heard of creditors adding co-signers after the account has been opened for sometime? SPELLCHECK** How do I add my AU account back to my credit report?

How can I get a bankruptcy removed from my credit report? I filed in 2001. I disputed my bankruptcy and a lien with all 3 credit bureaus. Transunion removed the lien not the bankruptcy Equifax removed the bankruptcy and not the lien Experian wouldn't remove neither one. Now i know once you dispute an item the creditor has 30 days to respond or its removed from your file how can i get the others removed or do I just have to wait it out If one bureau remove it dont the others have too.

Why is Equifax not reporting my information of credit history? I got my first credit card in June of 2006. My payments have never been late. Every 30 days the credit card company reports account status to all 3 major credit reporting agencies. Transunion and Experian both are showing my account correctly, but Equifax is not showing it at all! I had to pay Equifax $20 for my credit report just to try to dispute it and now I get a bunch of crap for the customer service center. I know my credit card company is reporting my info. In fact just yesterday they did another report to Equifax and Equifax is still saying they have no record of the account. I'm really upset over this mess and I want an investigation by FTC and possibly the Attorney General for the state for the Equifax corporate office. What would you do? What is the best way to get immediate action?

Can a minor receive negative credit? (details inside)? I came home for winter break from college and found letters from the county. They said I owed them $ for a ticket dated back in 08/2006, now I do remeber getting a ticket on my car for not having a front plate on ( although my vehicle does not have a front plate holder) coincidently when i was going to pay for another ticket I had just gotten. But i figured I would pay it later and it would be over. Well, I never got around to it and eventually forgot. I was 17 at the time and the county placed my ticket w/ a collections agency and now they've said that I've been in default since May. This is confirmed by a letter i got from Transunion saying that I have received neg items in my credit history. Now, i've NEVER miss a payment for anything. I paid it off last week, but can they place me in default from an alleged ticket? Even though I was only 17 ( a minor) ? If i dispute this with Transunion, will they take it off my credit history? Keep in mind that I previously had a 710 credit scor

I had false record in my credit report (Macys for 2 yrs)Now only I found&called,they told they will inform Cre I had false record in my credit report (Macys for 2 yrs)Now only I found&called,they told they will update Credit report company they accepted i paid in july 2005. but I was having pbm in getting credit cards and other loans(Auto&Mortgage) for 2 years,I am totally upset because of this. Can i still dispute thro' transunion or experion? what else can i do. Right now when I try for other loan, I came to know about it. Please suggest me how to take action with them. How do i compensate my loss for 2 yrs. When I was trying to get mortgage, i was getting high APR, I left that idea at that time. So kindly suggest me , thanks in advance.

A question about my credit score? On Experion my credit score did not change for the month it stayed 609, my Equifax changed from 609 to 627 and my transunion went from 607 to 597. WHy they change? I had some stuff on my credit that was not mine and I got it taken off and all three credit bureaus. Also if I wanted to dispute some information and I have freecreditreport which is only for experion, how do I dispute information with equifax and transunion without having to pay for another credit report that I can see. I have already used up my annual credit report.

suppressed pending credit grantor update? can anyone tell me what this means? i disputed some things on my credit report that i know are wrong..transunion sent me a credit report about a month and a half and one of the items i disputed says " the following item is suppressed pending credit grantor update" i can not find anything that can explain this please help if you can. thank you teresa

IS there a way to find out which credit bureau a creditor uses to approve or deny your application? I am 19 and have an account on Experian that is not mine, I am currently disputing it however its charge off and has that score at like a 537. I have okay credit with transunion and equifax (690 and 671) and I have been told that creditors subscribe to a credit bureau and use it every time they receive an application to approve or deny. When I call and ask they say " we use all three" which is not true b/c when i get the denial letter it lists which credit bureau they checked. I am NOT going to apply for too many cards and have heard the American Express ONE is pretty easy to get. I have added a security freeze to my experian file so if anyone tries to use that bureau, they will be rejected ( as they would deny me if they seen the charge off). I just want to know if there is anyway to find out which bureau a creditor uses BEFORE applying for their card?

My credit report is bad from ID theft.? Okay, I have a collection account on my credit report from Verizon and they will not take it off my credit. I have disputed it with all credit bureas and 2- of them have taken it off. But Transunion has not. It is not my account and I have co-operated with everyone but they still will NOT take it off. Does anyone know what I could do?

collections agent/original creditor required to send you a bill before filing on your credit report? I had backed out of a rental contract back in 2005 (they misrepresented the property) and heard nothing further. all of a sudden a collections company has filed a delinquency on my credit report for "back rent" however, I never received a bill or any type of notice that I owed anything from either the management company or the collections agent. Aren't they at least required to notify you before filing it on your report? I have always worked hard to maintain my credit and would have paid the $300 rather then deal with the hassle of getting it taken off of my credit reports. I have gotten it taken off of 1 and am in the dispute process with Transunion. Thanks They had my phone number plus they didn't send anything to my old address (it was my parents address). I cancelled the contract about 30 minutes after signing it...I never even received a key.

I bought my 3 credit scores and got this error message for 2 of them? PLUS Score from Experian (and Transunion) We apologize for any inconvenience, but we cannot accurately provide a score for the credit file you have requested. The file is reported as either unavailable, or does not show any record of credit accounts. If you feel that this is an error, please contact the credit bureau directly to dispute the status of this information. Thank you. ....To the first 2 responders.... I already purchased my 3 score report through experian.com. I recieved all three reports but only 1 score. The other 2 scores gave the error message above.

Should I dispute AGAIN? I recently have disputed an item (Lord & Taylor) on my credit reports - Experian, Equifax, and TransUnion. The item was removed from both Equifax and TransUnion, BUT remained on Experian. I disupted the account as "not mine should be removed." Should I dispute this again knowing that the item was removed from 2 out of the 3? If so, how long should I wait? Also, is there any information out there regarding a judgement filed about 5 years ago when I was in college in another state and have no recollection of the suit. Any suggestions, comments, advice is appreciated. Thanks in advance.

two different credit scores? my husband and i have been working on our credit score to purchase a house... we checked our credit about a week ago, and on transunion it says that he has a 664 and mine was 621. so in that case we found someone that can help us get our house.. they pulled our credit and they said that we were in the 500's with equifax or experian whoever it was... how can that be?? im so confused.. and really down... plus i have found inaccuracy's on my credit score. i am disputing them.. how does that work? how long will that take?

If you have a judgement reported on your credit report, can you pretty much kiss your future goodbye? Got one on my credit report: 1) It's only reported on one credit bureau. Do they report judgements on all three credit reports (equifax, transunion, experian) (is it only a matter time before the other two get it reported to? 2) I don't know why the account was there and found out one year after it was reported! What the hell? It's not my account, I disputed it, but to no avail. Could it still be a fraud even though they have my address? 3) The court I spoke to has said they can arrest me "any time". Is it true, or a scare tactic? 4) I already spoke to the bank that sent me the judgment and they don't even have my social security number on file and want to know why I'm calling them. What can I do? 5) In my state, judgement stays for 6 years. When I apply for a car or mortgage loan is my life over? 7) As I mentioned, whoever sent me to court doesn't know what i'm talking about and says they don't have my social security number and to talk to the bank that gave my account to them. I talked to that other bank and they told me they have no info of me and reverted me back to them. What's up? Terry, you been reported. Take care of yourself you dickface.

How do I update my personal info with credit bureaus? I just want to update my phone number. I looked online and called some numbers for transunion and equifax in the phone book, and all I get is a bunch of stuff about free credit reports, fraud alerts and disputes. I need to update my phone number because I put a fraud alert on my file, so I can't apply for credit anywhere without them calling my phone. And what info do I need to include if I mail them?

How do I remove incorrect information from my credit report? I had a fraudulent account on my report and I disputed it with equifax. I got my results back and it was removed from my equifax credit report. How do I remove it from experian and transunion? Do I have to file a another dispute or can I just send a copy of the results of the equifax investigation along with a letter requesting they remove the account.

How to add account to my credit file? I have 2 credit cards from the same bank. I am a authorized user on one.( Household AU, Orchard ,my account). My credit report showed an incorrect balance on Household so I disputed it. Instead of correcting it TransUnion deleted them. ( Orchard, the card thats in my name and Household). I called Orchard to ask why they are not reporting my account at all any more and they say they do at the end of the month. The AU account is still on there and is updated with Equifax, but Orchard hasnt been on none of my credit reports for 2 months. I did a google search and everyone is saying that the credit bureaus will add verified accounts for a fee. I think thats unfair because my creditor is reporting my account but the credit bureaus are not reporting it. What shall I do now?

I have cleared all debt from my credit reports. It has already been established that? my credit score is low and probably will be until Equifax, Experian and TransUnion decide to ' up it.' How can I speed up the loan process so I can open a small business? I got turned down by Prosper.com because of their scoring methods. The bank has turned me down too. I feel like there is something I could be doing to help the situation. I have already disputed items on my reports andcannot find a high interest lender where I live. Please do not send E-mail addresses and say you loan money. I have tried you all and cannot even get in your sites. If you are not registered at the Better Business Bureau.... I don't want your help.

How Can I get credit card company ( Discover) to remove a charged-off account, not mine, on my credit report ? the Discover account reported in Experian was a charged off and was updated last month (ruined my credit), it said was a joint account which I Jointly open in 1994 (when i was only 11 years old). The same account was in Transunion report, but had not been updated since August 2006, while the account was still in good order. I had disputed with Experian, but Experian had said it had been investigated and was verified as true, (blown my mind). I had contacted Discover, after the result from Experian, but Discover could not located the account, reason they gave was because "the account was probably under the primary account holder's name, if you can give me his/her name or social security #, I can defintely locate the account for you". what an idiot Discover had hired to work for them. Discover then said, it will contact me within 2-3 days, but i had not heard from them since. Anyone know how to handle this please help.

reporting for each agency? I have chosen to dispute items on my equifax credit report directly with Equifax using the "Online Dispute". Once these items are fixed, what is the recommended way to remove the bad information from Experian, and TransUnion? Any good or bad information on using the online dispute vs. doing it through snail mail. Seems this way Equifax is sending all the letters for me?

How long does Truecredit take for disputed item to be updated? on your credit report? I disputed 3 things from Transunion and I got a notice they were deleted and recieved my free copy of my credit report online with them. I am also a member of Truecredit.com and its not updated on their website yet.....How long does it usually take???

disputing late payment with WaMu? Whats the email address for WaMu to dispute a negative credit reporting? I disputed through equifax and transunion but wamu validated it was correct. I signed up for auto payment and then had to leave country; when i returned i had 60 day late on my credit. i paid immediately but trying to get off credit. Help?. Dont have fax called and talked with them. They wouldn't remove. Said I should write a letter to dispute

I have a bankruptcy from 2001 on my credit report.? I disputed with Equifax and Transunion. Equifax removed it but Transunion didn't. Is true that if 1 bureau removes it from your file so does the other bureaus.

Why can I get TransUnion to delete negative stuff but not???? But Equifax is not deleting the same negative items off of my credit report ( and they shouldn't be there ).... I have yet to hear from Experian.... What more can I do to get Equifax to take these things off? Dispute again?

Need help with collections that keep appearing? 3 days ago I had a collection on my credit report from TransUnion that was found to be invalid and deleted. I got a free copy of my report showing the deletion. But now a knew collection appeared that is dated from 2003. I have both reports infront of me. The one 3 days ago and the one today. 3 days ago the only collection I had was the one I disputed. Now the new report shows one from 2003. Yes I will ask for validation, but why wasn't it on the credit report from 3 days ago? Do reporting agencies WANT you to have bad credit? The new one says it was reported in 2003 and updated in 2004....if it was reported in 2003 wouldn't have shown on the report from 3 days ago with the one I had disputed? I should also add that the new one I am disputing is from a Hospital visit co pay that I know I paid. I beleive I can pull a copy of the check and prove it - it's just that I want to buy a home and want a good interest rate

account returned to OC (original Creditor)??? I have never had any collections accounts in my life, and just got my first one a few months ago with my bank. I was in overdraft and for some UNKNOWN reason the bank decided to phone me twice about being in overdraft for too long, and getting my voicemail, sent it off to collections instead. I actually went to my bank twice and asked why my account was closed and they didn't have any information on my account at all. I actually offered to pay and fix things right then bu they had given my information away and had NOTHING on my name or file at all, and just told me that I didn't have an account with them anymore and that's all they knew. Then, a few weeks later, I got a call from a collections agency. Well, when I got the collections call for $4500 I was caught off guard and very surprised as well, and fearing that it would be on my report forever, I sent them a DV letter. They didn't verify and it didn't list on my credit report. The debt then went to another agency who only once sent me a letter asking for $2000. I never gotr a phone call from this agency and never bothered calling them. I havent' heard anything from anyone since then. Just checked my transunion report, and it shows an OPEN account under the name of my bank, with a total $4550 balance, installment account, currently standing at 60-89 days late, and required payment of $423 every month which is past due. It's dragged m credit score down SO MUCH!!! What should I do? Call the bank? Dispute the credit agency? Settle? Ask for deletion? It's NOT showing up under collections account. There are no collections listed on my file. Should I pay it so long as they will take off the late payment?

Is This Article Correct? By law you are allowed to dispute inaccuracies on your credit file By law and The Fair Credit Reporting Act before placing any item on your credit file the credit bureau’s (TransUnion, Equifax & Experian) must personally contact you to inform you than an item is going on your credit file and record that conversation as proof that you were contacted, if they do not (and we all know they don’t) it deems that item inaccurate and therefore is an incorrect entry on your credit file per the Fair Credit Reporting Act they must delete anything from your file that is inaccurate. Amazing how they just don’t come right out and tell us consumers this bit of information. It doesn’t matter whether it is really your delinquency or not. Rule 2: Once an item has been deleted from your credit file it is illegal for them to reinsert it and if they do you can sue them.

How can i find out if anyone has used my SS # for anything? (read details please)? My fiance's mother asked him for his SS# so she could add him to her dental insurance. Now, a month later she doesn't remember asking him for it. She has, in the past, used her kids SSN's for various things (i.e. utiltiy hook-up) so he believes she used it for somethine else. i know he needs to contact experian ect. but i cannot find the numbers any where. any suggestions? i have been on the experian, equifax, and transunion websites and the only numbers listed are for disputes on a credit report which he doesnt have.... I understand that this is his mother, and i am acting on HIS request to find out what she may have done with the number as she has a history of thinking she is entitled to her childrens ssn's. this is a woman who doesnt think of anyone but herself. she has tried to get us to give up custody of our kids to her so she could draw a bigger ss check. she may be his mother but i am going to be his WIFE...if she is screwing with his credit that affects me. What if we want to buy a house and cant because she is creating bills and not paying them. and if she had put him on the dental insurance, she would have told him as he is in need of dental work.