Disputed stuff from Experian online... Now what?

Oh and all of those 18 were different school loans or write offs, so I assume theyre not really GOOD STANDING are they?

Well, are they defaulted or with CA's. If so, then, no they are not what you should consider "GOOD STANDING"/

I filed disputes with Experian online. And I had alot of the disputes knocked off of my credit report. I received notification just a little over 30 days after my disputes. I just went ahead and disputed all negative marks and they removed quite a bit.

Just imagine for a while, how careless these credit bureaus are. They are reporting 21 incorrect items in one's credit copy. I hope your dispute is found correct and your credit scores go up.

I saw things on there that definately weren't mine some were good marks and some were bad. Sometimes I think they accidentally hit a wrong number and it ends up on somebody else's credit. My ex-husband had credit card on his CR and it was in excellent standing problem was the account was opened up when he was only 1 year old.

I'm curious - obviously you don't want to try to dispute anything on your report while you are in a Chapter 13 payment plan, but what about afterwards? How long should you wait to dispute anything not removed from your report after the Chapter 13 plan is discharged?

My chpt. 13 isn't d/c yet, but I still disputed, the stuff that wasn't taken off I didn't want off I wanted it reported correctly to show that it was in a chpt. 13 repayment plan, because I had some stuff that was still showing up as charged off or listed as a judgement. Experian was good about it and things are listed correctly now. I was told by a mortgage broker to do this, I'm not sure how much it has helped my score I haven't checked. And I really don't want to pay one of those companies to give it to me. I'll just wait.

Thanks, Steelers! Very good info to have.

Also, don't you get a free copy to your house IF they change things? Ad how would I get a free copy of mine through the other two?

Oh and about CHexsystems, would I be able to dispute stuff just like on my credit report?

2 cents away from 10.00 in Debtcc points..

Oops never mind... I forgot you get them with each post, I just went over $10.00! YAY FOR ME!

LOL - congrats!

YAH! Bestideayet!!!!!!!!! Can you get me a Big Mac Value Meal with that? LOL

Experian sent me a letter with a copy of my online disputes and an explanation for each change. It was free and I didn't have to request it.

I also disputed with Equifax and shortly after I got my revised report. It came free in the mail, but I am still to get one from the others. I got emails with my results in them.

So do you think that just by disputing Experian, lets say, and then getting my other two reports, that its more likely for the other two to delete stuff that Experian already took off? In other words, would that be some sort of leverage in dispute letters? And also, should them taking off "some stuff" make my score a little better?

Yes, it will raise your score, I don't know how they figure by how much. Unfortunately, if one removes disputed items on your CR it doesn't guarantee the others will also.

Wow that sucks, I would've guessed they'd all have to comply, I mean if one takes something off, the others should also. Why doesn't someone regulate these companies?

I disputed several collections on my credit report.All but three were deleted.Instead the three had noted"new information" on my credit report.These I'am trying to pay off.Also I have four that will be sol in 2007.

Once an acct is past SOL will a creditor take it hard on you?? I mean, will they really focus on it since it is out of the SOL??

I have also disputed items on my credit report online with Experian. I have also done so with Equifax. Transunion requires you send it in the mail. Most of the things that I have disputed have been removed from my credit report either because I paid the debt or because the time limit has expired on the report.

It is highly recommended that you have credit monitoring whereby you can actually see your credit report on a regular basis to dispute different items. I have it and I have been enjoying it ever since.

I havent gotten anything back from Experian. I check my email every day but nothing. Should I call them or wait a little longer, it's been a week.

It can take about 30 days before you'll hear anything. Sometimes less. If you disputed online you'll usually get it back a little quicker. They'll e-mail you when it's complete, and also send you a paper copy of your revised CR and what was deleted/updated.