Rebuilding Your Credit

[UpmyscoreinFL]

I think I have done all I can with equifax and transunion. I have not accomplished anything with Experian. What is the best way to tackle Experian? It is almost impossible to get a human on the phone. My attorney says she sent the same letters to Experian that she sent to the other two bureaus but Experian claims they never got them. I want to try and get a paid 25.00 collection removed. My goodwill attempts have not worked. I am considering disputing online this one since I am hoping they won't validate a paid 25.00 collection. Thoughts?

[dekelley1]

I once read on this site that somewhere that CA are less likely to respond on accounts w/ a $0 balance.  So that's what I'm hoping for on my collection.

[RobertEG]

I am not sure what you are attempting to do via the CRA.

Paying a debt is not basis for CR deletion.  In fact, the CRAs have a written policy, stated in both their credit reporting manuals and in their reporting agreements with furnishers, that accurate reporting should not be deleted based on payment of the debt.  You are in effect asking the CRA to intervene in a deletion that is contrary to their policy.

THe CRA has statutory requirements for response to disputes, but I dont see this as a disputable issue.  It does not relate to an actual inaccuracy in credit reporting.

Additionally, CRAs are not involved in validation of debts.  And with the debt now paid, what is there to validate?

Validation of a paid debt is kinda simple... "We verify that the amount of the debt is $0."

[JP1968]

I disputed on experian and had good results (the very next day), but it was really an error on the creditor's side. 

Good luck!

[2NE1]

I honestly don't know... EX has been tough for me as well... I've filed a BBB complain cause they kept failing on providing me with the furnisher's info regarding a judgment. I'm waiting for BBB to take action and see if it works that way.

[iamdetermined]

Experian has been the best for me! I just spoke to them 2 days ago & had some personal info updated without a problem. Whenever I dispute anything, its removed VERY quickly...within days on 3 accounts. Equifax is a royal pain in my ***...they are SOOO slow! Anyone know how to tackle them? I don't want to pull my report because I know they still have not updated the accounts that have been removed from my Experian report . Transunion is ticking me off too.

[zbolton]

Transunion is the worste. Every time I call I get the run around. I can't even log into their site because they locked me out before I even signed up. It makes no sense, and there call center is based out of India, and they barley speak english. Its awful, cant believe those are the people preventing me from disputing to get my mortgage!

[RobertEG]

Simple solution for dealing with their involvement in disputes....

Dont dispute through them.  Use the direct dispute process.