topic Re: Thanks for the helpful tip! in Credit Cards

Thanks for the helpful tip!

lhcole77 — Tue, 06 Aug 2013 18:03:44 GMT

Thanks to everyone who shared the tip about saving CR report numbers and then checking SPs online for free via the online dispute feature.

I'm getting ready to request my 3x CLI from AmEx and I wanted to see where I stood. They've only SPed me once since I opened my cards.

Also good to see that Citi and Barclays have done AR as well.

Thanks! I love this forum!

Re: Thanks for the helpful tip!

09Lexie — Tue, 06 Aug 2013 18:06:32 GMT

I'm still viewing my reports and DH since Jan!

Re: Thanks for the helpful tip!

injustifiiable — Tue, 06 Aug 2013 18:16:42 GMT

@09Lexie wrote:
I'm still viewing my reports and DH since Jan!

Ditto...I think I last ran a report in January or February...I don't remember.

I only wish I could view my TU online. There's some online issue that I've had no luck trying to solve with their lousy customer service...

Re: Thanks for the helpful tip!

Anonymous — Tue, 06 Aug 2013 18:25:56 GMT

@09Lexie wrote:
I'm still viewing my reports and DH since Jan!

I have to ask: for those with apparently higher moral standards, why is this OK? Isn't this a misuse of a feature intended for disputing incorrect information. You are using a backdoor to get something for free that you should pay for (a new credit report from the bureau in question). Is this so very different from b*?

Edit: well, maybe B* is a too strong example, but say, telling a lender that you sent in a document on time that you in fact didn't send, to use a recent example.

Re: Thanks for the helpful tip!

09Lexie — Tue, 06 Aug 2013 18:21:14 GMT

Yes, the TU pull is good once.

Re: Thanks for the helpful tip!

injustifiiable — Tue, 06 Aug 2013 18:22:50 GMT

@09Lexie wrote:
Yes, the TU pull is good once.

I can't even pull a report from annualcreditreport even. It says I made an account but when I try to reset the password for it, it won't let me.

I end up having to call in to have a report sent to me. lol.

Re: Thanks for the helpful tip!

injustifiiable — Tue, 06 Aug 2013 18:28:26 GMT

@Anonymous wrote:
@09Lexie wrote:
I'm still viewing my reports and DH since Jan!

I have to ask: for those with apparently higher moral standards, why is this OK? Isn't this a misuse of a feature intended for disputing incorrect information. You are using a backdoor to get something for free that you should pay for (a new credit report from the bureau in question). Is this so very different from b*?

Edit: well, maybe B* is a too strong example, but say, telling a lender that you sent in a document on time that you in fact didn't send, to use a recent example.

I don't know much about B*...except that it's a dirty word around here.

Experian openly advertises that report mumbers are good for 90 day. If it happens to work for longer than that, I'm not going to complain. lol

Re: Thanks for the helpful tip!

09Lexie — Tue, 06 Aug 2013 18:46:52 GMT

@longtimelurker

I am not disputing information. I am using the View Your Reports again. If I were to dispute information the report has an investigation number usually 01-03.

I am not disputing something that did not happen - referring to telling a lender I mailed in a form timely and disputing the additional inquiry

Re: Thanks for the helpful tip!

lhcole77 — Tue, 06 Aug 2013 18:50:25 GMT

@09Lexie wrote:
@Anonymous

I am not disputing information. I am using the View Your Reports again. If I were to dispute information the report has an investigation number usually 01-03.

I am not disputing something that did not happen - referring to telling a lender I mailed in a form timely and disputing the additional inquiry

Re: Thanks for the helpful tip!

lhcole77 — Tue, 06 Aug 2013 18:51:33 GMT

@09Lexie wrote:
Yes, the TU pull is good once.

Mine seems to have worked more than once. Not sure how.

Re: Thanks for the helpful tip!

lhcole77 — Tue, 06 Aug 2013 18:52:51 GMT

@Anonymous wrote:
@09Lexie wrote:
I'm still viewing my reports and DH since Jan!

I have to ask: for those with apparently higher moral standards, why is this OK? Isn't this a misuse of a feature intended for disputing incorrect information. You are using a backdoor to get something for free that you should pay for (a new credit report from the bureau in question). Is this so very different from b*?

Edit: well, maybe B* is a too strong example, but say, telling a lender that you sent in a document on time that you in fact didn't send, to use a recent example.

What does this mean ===> "Is this so very different from b*?"

Re: Thanks for the helpful tip!

Anonymous — Tue, 06 Aug 2013 18:56:37 GMT

B* is something very naughty, so that is why I changed my example!

Re: Thanks for the helpful tip!

Anonymous — Tue, 06 Aug 2013 19:02:41 GMT

@09Lexie wrote:
@Anonymous

I am not disputing information. I am using the View Your Reports again. If I were to dispute information the report has an investigation number usually 01-03.

I am not disputing something that did not happen - referring to telling a lender I mailed in a form timely and disputing the additional inquiry

No, but is the report meant to be available 7 months later without paying for a new one? Probably not. Does it work? Yes. Is that OK? For me, yes! But the vendor probably didn't intend this. You are not actually viewing the original report again (which would be OK), you are getting an updated version for free.

As I said, that's not a problem for me. But I have lower standards than some.

Re: Thanks for the helpful tip!

09Lexie — Tue, 06 Aug 2013 19:10:05 GMT

The vendor you are referring to is Experian. The report was free in the first place. It is a flaw that this particular backdoor exists? then I am exploiting it. The other report that comes after a dispute or an adverse action IS only good for 90 days.

Re: Thanks for the helpful tip!

lhcole77 — Tue, 06 Aug 2013 19:34:20 GMT

I'm confused? Are you actually typing a B and an *?

Re: Thanks for the helpful tip!

injustifiiable — Tue, 06 Aug 2013 19:39:41 GMT

@lhcole77 wrote:
I'm confused? Are you actually typing a B and an *?

Yes. it's code for a word that we're really not supposed to say around here. You can google plenty about it...lol.

Re: Thanks for the helpful tip!

Anonymous — Tue, 06 Aug 2013 19:40:04 GMT

@lhcole77 wrote:
I'm confused? Are you actually typing a B and an *?

Yes. To deconfuse, it is also called bumpage, a technique frowned on in this forum.

Re: Thanks for the helpful tip!

Irisa — Tue, 06 Aug 2013 20:09:41 GMT

@Anonymous wrote:
@lhcole77 wrote:
I'm confused? Are you actually typing a B and an *?

Yes. To deconfuse, it is also called bumpage, a technique frowned on in this forum.

Thanks for clarifying that. It was very confusing reading B*.. I was completely lost

Re: Thanks for the helpful tip!

lhcole77 — Tue, 06 Aug 2013 20:14:10 GMT

@Anonymous wrote:
@lhcole77 wrote:
I'm confused? Are you actually typing a B and an *?

Yes. To deconfuse, it is also called bumpage, a technique frowned on in this forum.

Ayyyyyyy caramba! I just read up on B*. Yikes. That be cray!