topic Re: Experian Dispute to See Soft Pulls in Credit Cards

Experian Dispute to See Soft Pulls

Way — Wed, 09 Apr 2014 03:19:31 GMT

So I've been using the Experian Dispute process for quite a while to see soft pulls. They don't show through my reporting service, but I just go through the process to file a dispute and once I get in there all of the soft pulls are viewable. I don't actually launch a dispute and just log out when I'm done. I've never had any issue with this in the past.

A) Is there a better way? This obviously wasn't the intended use of their dispute portal.

B) I'm suddenly having a hard time with it when linking directly from my monitoring service. Anybody else having any challenges? I've done this dozens of times before and now I've been getting this message for more than a week. This is the message I'm getting:

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.

Thanks

Re: Experian Dispute to See Soft Pulls

policebox — Wed, 09 Apr 2014 03:21:27 GMT

You've been using what is called the "backdoor" for viewing your EX report. If this is done too many times, EX locks you out. It appears you got busted and have been locked out. I'm not certain whether or not you'll eventually be able to get back in, hopefully others can answer that question.

Re: Experian Dispute to See Soft Pulls

09Lexie — Wed, 09 Apr 2014 03:21:29 GMT

@Way wrote:
So I've been using the Experian Dispute process for quite a while to see soft pulls. They don't show through my reporting service, but I just go through the process to file a dispute and once I get in there all of the soft pulls are viewable. I don't actually launch a dispute and just log out when I'm done. I've never had any issue with this in the past.

A) Is there a better way? This obviously wasn't the intended use of their dispute portal.

B) I'm suddenly having a hard time with it when linking directly from my monitoring service. Anybody else having any challenges? I've done this dozens of times before and now I've been getting this message for more than a week. This is the message I'm getting:

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.

Thanks

This is what happens when you abuse the system. The online dispute process is for online disputes.

Re: Experian Dispute to See Soft Pulls

myjourney — Wed, 09 Apr 2014 03:22:04 GMT

@Way wrote:
So I've been using the Experian Dispute process for quite a while to see soft pulls. They don't show through my reporting service, but I just go through the process to file a dispute and once I get in there all of the soft pulls are viewable. I don't actually launch a dispute and just log out when I'm done. I've never had any issue with this in the past.

A) Is there a better way? This obviously wasn't the intended use of their dispute portal.

B) I'm suddenly having a hard time with it when linking directly from my monitoring service. Anybody else having any challenges? I've done this dozens of times before and now I've been getting this message for more than a week. This is the message I'm getting:

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.

Thanks

This is called backdoor and not to be discussed on the forum

Re: Experian Dispute to See Soft Pulls

myjourney — Wed, 09 Apr 2014 03:22:33 GMT

@09Lexie wrote:
@Way wrote:
So I've been using the Experian Dispute process for quite a while to see soft pulls. They don't show through my reporting service, but I just go through the process to file a dispute and once I get in there all of the soft pulls are viewable. I don't actually launch a dispute and just log out when I'm done. I've never had any issue with this in the past.

A) Is there a better way? This obviously wasn't the intended use of their dispute portal.

B) I'm suddenly having a hard time with it when linking directly from my monitoring service. Anybody else having any challenges? I've done this dozens of times before and now I've been getting this message for more than a week. This is the message I'm getting:

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.

Thanks
This is what happens when you abuse the system. The online dispute process is for online disputes.

You beat me Lol

Re: Experian Dispute to See Soft Pulls

-Wade- — Wed, 09 Apr 2014 03:22:48 GMT

@Way wrote:
So I've been using the Experian Dispute process for quite a while to see soft pulls. They don't show through my reporting service, but I just go through the process to file a dispute and once I get in there all of the soft pulls are viewable. I don't actually launch a dispute and just log out when I'm done. I've never had any issue with this in the past.

A) Is there a better way? This obviously wasn't the intended use of their dispute portal.

B) I'm suddenly having a hard time with it when linking directly from my monitoring service. Anybody else having any challenges? I've done this dozens of times before and now I've been getting this message for more than a week. This is the message I'm getting:

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.

Thanks

Sounds like your credit file # has expired. It's only good for so long

Re: Experian Dispute to See Soft Pulls

-Wade- — Wed, 09 Apr 2014 03:29:02 GMT

It states that you can view report !!!

View report or request a dispute

You must have a current copy of your Experian personal credit report in order to use this service. If you have a copy, please enter the report number listed at the top of the report. If you do not have a report number that you received within the last 90 days

Re: Experian Dispute to See Soft Pulls

Way — Wed, 09 Apr 2014 03:33:14 GMT

Well then....

I clearly did not realize that was frowned upon in this establishment.

Let me rephrase...

Is there a legit way to view softpulls with Experian?

Re: Experian Dispute to See Soft Pulls

myjourney — Wed, 09 Apr 2014 03:35:25 GMT

@Way wrote:
Well then....

I clearly did not realize that was frowned upon in this establishment.

Let me rephrase...

Is there a legit way to view softpulls with Experian?

Yes 2 ways

CR's purchased directly from CB's

Annual credit report

Re: Experian Dispute to See Soft Pulls

Kenny — Wed, 09 Apr 2014 04:15:51 GMT

One isn't allowed to click the "View your credit report again" ??

Re: Experian Dispute to See Soft Pulls

myjourney — Wed, 09 Apr 2014 04:17:29 GMT

@KennyRS wrote:
One isn't allowed to click the "View your credit report again" ??

If you have filed a legal dispute and have the report number sure ....

Re: Experian Dispute to See Soft Pulls

09Lexie — Wed, 09 Apr 2014 04:22:27 GMT

Re: Experian Dispute to See Soft Pulls

Kenny — Wed, 09 Apr 2014 04:31:56 GMT

lol at the graphic.

Re: Experian Dispute to See Soft Pulls

Lechte — Wed, 09 Apr 2014 10:14:55 GMT

It's not an abuse of the system nor is it unethical. As Wade said, the OP's report number expired...that's all. The OP could have accessed the same page by going to "xxxx.com/xxxxx" rather than linking to the actual dispute page. I highly doubt EX is ignorant to this, nor do they deem it abuse or they would have taken action to ensure proper use of the system...and shut down or changed the other site i'm referring to.