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Posted: Mon Jan 09, 2006 1:43 pm Subject: 30 days almost up-letter from Equifax

Hi, got a letter from Equifax today-Its been almost a month now since I sent them the original letter. Here we go:

Posted: Mon Jan 09, 2006 2:31 pm Subject:

It means that you will have to order for a credit report from Equifax before they review any of your dispute placed with them. I don't think it's the same with the other two bureaus. They accept the disputes without stressing on the order of a credit report.

Posted: Mon Jan 09, 2006 2:55 pm Subject:

Shirley,

I ordered a copy my Equifax credit report online. I disputed the items that way.

Posted: Mon Jan 09, 2006 3:11 pm Subject:

Oh, I didn't realize that you had to 'buy' a credit report in order to dispute? Equifax sent me a free one and I was pretty sure that they gave me a set amount of time to dispute anything on it, which I responded within that time frame. They wrote and said that there may have been a mistake on the reporting of my mortgage so me and hubby both got free ones. (oct/Nov of 05)
I'm due for a free one this year from all the bureaus. I wonder if Equifax thinks that I've already gotten mine since they gave me a free one due to a 'maybe' mistake? Transunion sent me this same letter, I sent them back the proof of SSN and drivers license. Didn't send a check though. Guess that means that they were saying I had to purchase one from them too. guess I need to get out the check book for Equifax, seems like a waste though, when they just gave me a free one. Shirley

Posted: Mon Jan 09, 2006 3:14 pm Subject:

Posted: Mon Jan 09, 2006 3:30 pm Subject:

When Equifax was expecting a possible error in your credit report, they might have sent you some letter regarding rectification of this mistake.

If they have sent you any such correspondence, use it to explain that you are entitled to get a free copy this year. Their system should have a record of the free copy sent to you as a result of the mistake on their part.

I think you should talk to them so that you get a clear picture of this matter.

Posted: Mon Jan 09, 2006 3:48 pm Subject:

I'm sure you can mail the required information and dispute the items that way. I was trying to get things done on my end. No, I didn't dispute online with the other two. I disputed through the mail.

Posted: Mon Jan 09, 2006 4:21 pm Subject:

yeah, but did you have to purchase a report with the other two to dispute? As I said Equifax just sent me a free report, I will talk to them about this when I send them my copy of SSN and drivers license.
I guess if all else fails, I rate a free one from all bureaus since its 2006, I will have to get those and then resend disputes all over again. will have to wait and see.

Thanks msmishele30!! shirley

settle up · Posted: Tue Jan 10, 2006 6:24 am Subject:

You really need to get a job. You have more write-up's on this site than Roxette and Big Ben.

settle up · Posted: Tue Jan 10, 2006 6:26 am Subject:

The above note was directed to shirley aka travis tritt stalker

Posted: Tue Jan 10, 2006 9:35 am Subject:

Posted: Tue Jan 10, 2006 9:44 am Subject:

The above note was directed at settle down

Posted: Thu Jan 12, 2006 2:00 pm Subject:

I did purchase copies of all three of my credit bureau reports a few months ago. I like to keep these things updated and it does take some time. I'm disputing one collection agency now on my Experian report. It was an old medical bill that was paid in May of last year, stating if I paid in full, it would not hit my credit report. Also, it hit in November of last year. How funky is that? I disputed it with Equifax and I have also written the CA.

Posted: Thu Jan 12, 2006 2:54 pm Subject:

msmishele30

You have to contact that company whom you paid your medical bill. It is still shown in your credit report because they have not updated with the bureau. Have all your payment receipts in place so that you can prove the company about the account being paid in full.

Do you have the copies of credit report from the other two bureaus? If this account is not shown in those reports, you will place a stronger dispute with the particular bureau that is reporting this account.

Posted: Thu Jan 12, 2006 4:48 pm Subject:

yes, in your disputes with the credit bureaus, have you pointed out that its been paid and let them do the work and investigation for you? Thats what I would do, let them do it for you. They might get faster and better results that way. shirley

Posted: Fri Jan 13, 2006 1:12 pm Subject:

I guess I will get one from Equifax after all, husbands came today, so I'll be getting one from them soon, after they receive my verification of SSN.
In original letter to them, I put my SSN down wrong so they asked for verification. shirley

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