Comments on: Investigating A Error On My Equifax Credit Report

By: tracey

tracey — Fri, 27 Mar 2009 19:26:38 +0000

yes you can. It is against ftc rules to reage debt if you contact the credit bureaus they have to investigate and remove the items. I hope this helps

By: Diane

Diane — Wed, 19 Nov 2008 19:14:19 +0000

Go to creditboards.com or read the Fair Debt Collection Practice Act. Don’t let them get away with this.

By: Cap

Cap — Thu, 28 Feb 2008 14:44:49 +0000

Jim #5 from Pennsylvania needs to stop running from the bill collectors… I actually had a recent snafu on my credit report that brought my score down 90 points too… but a dispute to the creditor itself has fixed the problem. I’m assuming you’re not applying for new credit anytime soon, so probably not an big issue.

By: Minimum Wage

Minimum Wage — Wed, 27 Feb 2008 21:34:23 +0000

My credit report says those debt are 2006. My last payments were in 2001. The collector can say anything they want and the consumer has to PROVE the collector is wrong.

By: Rev

Rev — Wed, 27 Feb 2008 15:38:37 +0000

minimum wage. I am not sure what kind of accounts these are but they won’t stay more than years unless YOU messed up. If you started paying again then they will stay that is the only way to renew one. If you haven’t then they aren’t renewed if you did you are as big of dumbass in real life as on here. Debts don’t just magically start over on their statute of limitations.

By: Mia

Mia — Wed, 27 Feb 2008 13:35:36 +0000

Thank you for writing this post – my transunion FICO score just went up 74 points!! I read your post last night and decided I’d try for myself. I disputed a collections with TransUnion at 6pm last night and at 4am received notice that it had been resolved by Deletion! This had been on our report for 4 years and was the only negative – it was a medical bill for our sons birth in 2001, one that we some how missed paying (tons of bills because he was in NICU for 2 weeks) but paid as soon as we found out about it 3 years later in 2004. It was sent to the collection company and recorded on our report the month after we paid – their bill was how we learned of the debt so I never thought we’d stand a chance at having it removed I’m still waiting to hear back from Experian (it was never reported to Equifax). Again, a big thanks!

By: Colonel Cash

Colonel Cash — Wed, 27 Feb 2008 11:45:52 +0000

Where you able to send notice to company that is reporting the erroneous information? Doing so might expedite the removal of the item. In this post http://moneyandcredit.blogspot.com/2008/02/how-to-correct-error-on-your-credit.html , I write about sending the CRA and the company reporting the debt the dispute in the mail, certified and requesting a return receipt. When it comes to getting things corrected and\or removed from your credit file, you cannot be to thorough. I hope yours is smooth and easy to correct!

By: Minimum Wage

Minimum Wage — Tue, 26 Feb 2008 21:47:23 +0000

Several years ago I had an extended illness with no income, several accounts were closed and charged off. These SHOULD drop off my credit report sometime this year, BUT a debt scavenger bought up the debts and has re-aged them (to 2006) on my credit report.

I will dispute them, the debt scavenger will “verify” them, and they’ll stay on my report and there’s not much I can do about it.

By: jim

jim — Tue, 26 Feb 2008 21:34:29 +0000

Sorry, they were obligated because an undisclosed lender turned me down. So LendingTree shopped my info around, a bunch responded but at least one declined so they sent it to me.

By: Posco

Posco — Tue, 26 Feb 2008 21:13:40 +0000

Could you please clarify for me: Why was Equifax obligated to tell you your credit score? A potential lender pulled your credit report, but I thought you elected not to refinance. You were not turned down because of a low credit score, were you? (In which case, you would get to see the credit report with the credit score… I think.)

Just wondering, because it looks like you got your credit score for free.

By: Adfecto

Adfecto — Tue, 26 Feb 2008 20:36:25 +0000

That would be so frustrating! I need to pull my free credit report this summer (1 year from my last checkup) to make sure everything is correct as well. I know when we were looking at mortgages about a year ago I was in the 720’s and my wife was in the 730’s. I imagine they will be the same or higher this year but I’m not really sure. We don’t do arbitrage with our cards but we do have some bad debt that needs to be cleaned up.