topic Re: Experian mailed me a random cr in General Credit Topics

Experian mailed me a random cr

GApeachy — Fri, 21 Feb 2020 17:25:04 GMT

..and I didn't ask for it. Do they do that sometimes?

I can't even request one through Annualcreditreport.com cuz there's always a "reason" to not give it to me. Also, it's been probably a year since I was able to view sp's through Exp. acct. but I had a lot of sp's I remember; not 3 which is what's showing in the paper report. All of them were from Exp. too. Isn't that odd?

Re: Experian mailed me a random cr

donkort — Fri, 21 Feb 2020 17:35:39 GMT

Do you have an account with Experian.com?

Perhaps you went for the free trial, then didn't cancel. This means you are paying $19.99 per month. I would look into that.

Perhaps, this is why you had a credit report emailed to you.

Re: Experian mailed me a random cr

M_Smart007 — Fri, 21 Feb 2020 17:53:46 GMT

@GApeachy wrote:
..and I didn't ask for it. Do they do that sometimes?
I can't even request one through Annualcreditreport.com cuz there's always a "reason" to not give it to me. Also, it's been probably a year since I was able to view sp's through Exp. acct. but I had a lot of sp's I remember; not 3 which is what's showing in the paper report. All of them were from Exp. too. Isn't that odd?

That is very odd. I have never had a report "Just mailed to Me" out of the blue?

Re: Experian mailed me a random cr

GApeachy — Fri, 21 Feb 2020 19:03:48 GMT

@M_Smart007 wrote:

That is very odd. I have never had a report "Just mailed to Me" out of the blue?

Yeah, and what happened to all my sp's?

Re: Experian mailed me a random cr

GApeachy — Fri, 21 Feb 2020 19:05:28 GMT

@donkort wrote:
Do you have an account with Experian.com?

I do and have had the freebies and the paid membership off and on now for a couple of years. My pd. is up in a week I think.

Re: Experian mailed me a random cr

M_Smart007 — Fri, 21 Feb 2020 20:37:31 GMT

@GApeachy wrote:
@M_Smart007 wrote:

That is very odd. I have never had a report "Just mailed to Me" out of the blue?
Yeah, and what happened to all my sp's?

Don't feel bad, I don't get them either

Re: Experian mailed me a random cr

GApeachy — Sat, 22 Feb 2020 17:15:00 GMT

@M_Smart007

I just noticed my Exp. acct. has full functionality again. Maybe that's why I got the cr. It's been months since they said they'd fix it...it looks fixed today.

Re: Experian mailed me a random cr

Anonymous — Sat, 22 Feb 2020 17:25:12 GMT

@M_Smart007 wrote:
@GApeachy wrote:
@M_Smart007 wrote:

That is very odd. I have never had a report "Just mailed to Me" out of the blue?
Yeah, and what happened to all my sp's?
Don't feel bad, I don't get them either

Me either! 😐

Re: Experian mailed me a random cr

M_Smart007 — Sat, 22 Feb 2020 18:02:12 GMT

@GApeachy wrote:
@M_Smart007
I just noticed my Exp. acct. has full functionality again. Maybe that's why I got the cr. It's been months since they said they'd fix it...it looks fixed today.

That is Great News!!!!

Re: Experian mailed me a random cr

M_Smart007 — Sat, 22 Feb 2020 18:06:21 GMT

@GApeachy wrote:
@M_Smart007
I just noticed my Exp. acct. has full functionality again. Maybe that's why I got the cr. It's been months since they said they'd fix it...it looks fixed today.

Mine is still broken

Re: Experian mailed me a random cr

GApeachy — Sat, 22 Feb 2020 18:10:07 GMT

@M_Smart007 wrote:

Yep, that was it. I no longer have the bazillion sp's anymore but at least I can access it. Are you able to pull your cr from Annualcreditreport.com? I haven't been able to in a year and that was another issue Exp. IT was going to try to resolve.

Re: Experian mailed me a random cr

M_Smart007 — Sat, 22 Feb 2020 18:12:06 GMT

@GApeachy wrote:
@M_Smart007 wrote:
Yep, that was it. I no longer have the bazillion sp's anymore but at least I can access it. Are you able to pull your cr from Annualcreditreport.com? I haven't been able to in a year and that was another issue Exp. IT was going to try to resolve.

Let Me give it the old college try, will report back.

Re: Experian mailed me a random cr

M_Smart007 — Sat, 22 Feb 2020 18:39:47 GMT

@GApeachy, I could only view my TU credit report online from annualcreditreport.

EX and EQ would not let me view. I do not have any freeze's, locks or Fraud alerts placed on any of them ¯\_(ツ)_/¯

Also it is amazing how much more info you can see on that report.

Re: Experian mailed me a random cr

Anonymous — Sun, 23 Feb 2020 03:22:40 GMT

So where do you view these sp's? @Saeren (I think thats who it was) told me onct but I forgot

Re: Experian mailed me a random cr

Iusedtolurk — Sun, 23 Feb 2020 05:45:41 GMT

@Anonymous wrote:
So where do you view these sp's? @Saeren (I think thats who it was) told me onct but I forgot

Here's a great little trick I learned that helped me view soft pulls from Experian. (found it off a myfico post a while back). Before this I could only view soft pulls once a year when free report was pulled.

If you have an Experian account you can go to the dispute section and act as though you are filing a dispute, the page that comes up gives you choices on what you may be disputing. It has a section where you may want to dispute hard pulls but below that is soft pulls.

Here's images to help people understand.

STEP BY STEP

First you go to dispute center....

Clicking Visit Dispute Center takes you to next screen below

Choose hardpulls

When you get to hard pulls you will see next screen Click soft pulls and you will see them!

Then just leave the dispute center.

Re: Experian mailed me a random cr

CreditInspired — Sun, 23 Feb 2020 13:06:04 GMT

@Iusedtolurk wrote:
@Anonymous wrote:
So where do you view these sp's? @Saeren (I think thats who it was) told me onct but I forgot
Here's a great little trick I learned that helped me view soft pulls from Experian. (found it off a myfico post a while back). Before this I could only view soft pulls once a year when free report was pulled.

If you have an Experian account you can go to the dispute section and act as though you are filing a dispute, the page that comes up gives you choices on what you may be disputing. It has a section where you may want to dispute hard pulls but below that is soft pulls.

Here's images to help people understand.

STEP BY STEP
First you go to dispute center....

Clicking Visit Dispute Center takes you to next screen below
Choose hardpulls
When you get to hard pulls you will see next screen Click soft pulls and you will see them!
Then just leave the dispute center.

Thanks for this step-by-step. I have a HP on EX that it states will fall off Feb 12, 2020 but hasn't yet, unless it actually takes affect last day of month.

Re: Experian mailed me a random cr

Iusedtolurk — Sun, 23 Feb 2020 14:48:50 GMT

@CreditInspired wrote:
@Iusedtolurk wrote:
@Anonymous wrote:
So where do you view these sp's? @Saeren (I think thats who it was) told me onct but I forgot
Here's a great little trick I learned that helped me view soft pulls from Experian. (found it off a myfico post a while back). Before this I could only view soft pulls once a year when free report was pulled.

If you have an Experian account you can go to the dispute section and act as though you are filing a dispute, the page that comes up gives you choices on what you may be disputing. It has a section where you may want to dispute hard pulls but below that is soft pulls.

Here's images to help people understand.

STEP BY STEP
First you go to dispute center....

Clicking Visit Dispute Center takes you to next screen below
Choose hardpulls
When you get to hard pulls you will see next screen Click soft pulls and you will see them!
Then just leave the dispute center.
Thanks for this step-by-step. I have a HP on EX that it states will fall off Feb 12, 2020 but hasn't yet, unless it actually takes affect last day of month.

Experian usually always updates for me before Transunion and Equifax.

I was surprised when a hard pull I have was supposed to fall off on FEB 6 (it even stated way before then that I had a hardpull that would fall off soon and it shows fall off date of FEB 6) as of today its still on there.

Transunion and Equifax dropped this hard pull on FEB 6 just like they were supposed to (Yes the infamous Cap1 credit bureau 3 pull).

Doesn't matter to me right now it's not like it's a collection or some other derogatory.

Everything else updates like it should maybe it's something going awry with their Hardpull (you hit 2 years we'll remove this from your credit report) algorithm.