Like all other customer services, credit bureaus have been forcing to use their online/postal services for disputing information. Well, in process of successfully disputing a collection account from report; I have been able to get hold of phone numbers of three bureaus to talk directly to a representative.
Also Experian has a service to get ur report free anytime without limit. Well, it was intended for checking ur report before disputing information. It gives a full report.
Link (Copy and paste) www.experian.com/rs/fi39.html
Dispute Info Contact Details: _________________________________________________ Equifax, SSN Req. 1-866-828-5066 1-866-481-8950 _________________________________________________ Experian ( needs a report number of credit report-See above to get a link for free report anytime) 1 800 493 1058 ________________________ Transunion (need SSN) 1-800-916-8800 _________________________________________________
* If this is a repost I apologize. I could not find them by searching. -NICK Edit: Title for more information
fotomaniak said: www.experian.com/rs/fi39.html does not work "we are unable to access blah blah blah..."
yep, got the same thing
"We are unable to allow access to our online dispute service. We understand that the privacy and security of your information is important to you; therefore, we cannot provide a specific reason as to why we cannot allow access. Our registration process is designed to ensure that your credit information is released only to you. You must have a current copy of your personal credit report from Experian in order to dispute information. Please call 1 800 204 1410 to order your report through our automated service. The report will be delivered by U.S. Mail. Once you receive the report, follow the instructions to dispute information you believe is incorrect. "
Error: We are unable to allow access to our online dispute service at this time. You must have a current copy of your personal credit report in order to dispute information.
If you recently obtained an Experian credit review from another company, then you may want to try your dispute later. Our system does not yet recognize your order.
SeriusBlack
Senior Member - 4K
posted: Feb. 5, 2006 @ 5:09a
Two of the best sites for credit talk are ArtofCredit.com as well this site. Many of the folks from the second site have moved onto AOC for one reason or another. I always suggest you KNOW YOUR RIGHTS in regard to your credit, as it has become more important than just about anything these days. You literally can't rent an apartment or buy a car without someone wanting to know your credit score. Educate yourself.
hamletsdead
Member
posted: Feb. 23, 2006 @ 1:30p
Another relevant site, particularly for people looking into credit repair or FICO score maximizing, is www.creditboards.com.
golf247
Addicted Member
posted: Mar. 31, 2006 @ 9:26p
Try posting here first. Father has same name differs only by suffix. Father went to employer Credit union and obtained a credit report (he says by name only, no SS) and many of my accounts were on there.
First, I am not surprised that some of my accounts would be on his report due to the name situation. Now assume that my accounts are not actually on his report by SS#. My concern is that he received my account information by giving his name only.
Is this common, being able to receive a credit report based on last name only?
Secondly, why is it that the only loan that I really get scared by with something like this is FEDERAL STUDENT LOANS as my account number is my SS#, which only adds to the identity theft problem of america.
RaheimR77
Member
posted: Apr. 1, 2006 @ 6:15a
http://www.experian.com/reportaccess is the best way to get your Experian report. Very quick and easy and gives the full report.
I have second that recommendation of creditboard.com. Helped me raise my Equifax FICO by +123 points, my Experian FICO by 121 points and my TransUnion FICO by +189 points! The best site for credit repair IMHO.
It didn't work for me. Has anyone had it not work when they've actually gotten an Experian report recently (such as through Experian or your free annual credit report)?
Google for "privacy matters". See the sponsored links and pick the one with 1 month free trial. Also, if you call them to cancel you might get lucky to get an entire year for the cost of 1 month.
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