topic Re: Does Experian take awhile to update, or should I follow up? in Rebuilding Your Credit

Does Experian take awhile to update, or should I follow up?

peepers — Thu, 01 Aug 2013 18:04:33 GMT

I just spoke with a rep at a collection agency I did a PFD in May with. I have a deletion letter too. I called today and she pulled up my account and confirmed request to delete was submitted 6-1. As of today, its still showing up on Experian. Is this typical, or should I take some action? thanks!

Re: Does Experian take awhile to update, or should I follow up?

tcrutchf — Thu, 01 Aug 2013 20:51:26 GMT

I'm having the same problem. My Equifax and Transunion were removed 2 weeks ago. Experian is still showing.

Re: Does Experian take awhile to update, or should I follow up?

mongstradamus — Thu, 01 Aug 2013 20:58:47 GMT

@tcrutchf wrote:
I'm having the same problem. My Equifax and Transunion were removed 2 weeks ago. Experian is still showing.

For me when i did PFD for medical collection, experian took about an week , the other two were an day or two. its definatelny an YMMV situation tho i think

Re: Does Experian take awhile to update, or should I follow up?

Anonymous — Thu, 01 Aug 2013 21:22:42 GMT

on EX I have two accounts that "estimate" they will fall off in august...Does EX update it on its own and they fall off? Or should I dispute it? I have heard of some people using the online dispute when this happens and seeing them removed.

Re: Does Experian take awhile to update, or should I follow up?

DaBears — Thu, 01 Aug 2013 21:42:14 GMT

It can take up to 90 days for deletions.

Re: Does Experian take awhile to update, or should I follow up?

peepers — Thu, 01 Aug 2013 23:24:28 GMT

So if I wait another month, at 90 days if its still not removed, whats the best action?

Mail/fax/email Experian a copy of letter? It does not state I paid anything.

Dispute online?

Re: Does Experian take awhile to update, or should I follow up?

Anonymous — Thu, 01 Aug 2013 23:27:29 GMT

I would get a copy of the bank statement that shows you paid them if they didnt give you anything showing you paid them. Afterward if you dispute it through the CRA when they go to investigate it, in theory if the CA keeps their word, it could be removed that way if it doesnt happen to be removed by then.

Re: Does Experian take awhile to update, or should I follow up?

DaBears — Thu, 01 Aug 2013 23:31:28 GMT

What does the letter state?

Re: Does Experian take awhile to update, or should I follow up?

peepers — Thu, 01 Aug 2013 23:33:04 GMT

I have 2 letters: one showing paid in full, the other is a request to delete.

From what Ive read (hoping DaBears hops in if Im mistaken) is that the CRAs frown on the letters that state a debt was paaid and request to delete because its in essense a violation because the debt should technically be marked as paid, not deleted

Re: Does Experian take awhile to update, or should I follow up?

peepers — Thu, 01 Aug 2013 23:41:35 GMT

It reads:

Letterhead
Ca name/ address
Account number

Re: name of account collected on

Dear Sir/madam;

We, collection agency, respectfully request that the above mentioned account be removed from your records.

We apologize for any inconvenience this may have created. If we can be of further service to remove this item from the following credit reports, please contact me at xxx xxx xxxx

Then lists the 3 bureaus with addresses and phone numbers

Sincerely,

Mr. Xxxxxxxxx. Xxxxxx

Re: Does Experian take awhile to update, or should I follow up?

DaBears — Fri, 02 Aug 2013 01:05:42 GMT

For the one that says they request for the TL to be deleted. The CRA's will have to honor that document. The one paid in full they will just update to show the reflection of paid in full. Areboth those letters from the same CA?

Re: Does Experian take awhile to update, or should I follow up?

peepers — Fri, 02 Aug 2013 01:23:34 GMT

Yes they are. One verifies that account paid in full/zero balance. The delete letter is seperate and makes no reference to receiving payment/pd in full, etc.

What i typed in previous post is all it contains. So i should be safe faxing that to Experian, correct?

Re: Does Experian take awhile to update, or should I follow up?

DaBears — Fri, 02 Aug 2013 01:33:35 GMT

Yes. Call Experian and see what is needed to fax to them. They are a pain to deal with!!

Re: Does Experian take awhile to update, or should I follow up?

peepers — Fri, 02 Aug 2013 01:36:36 GMT

Ugh, so Ive read. I dont understand why they arent complying? The CA requested it deleted 2 months ago. Its removed from TU and EQ. Can they simply just ignore it like that?

Re: Does Experian take awhile to update, or should I follow up?

DaBears — Fri, 02 Aug 2013 02:00:28 GMT

The CA probably sent a AUD # to them I would call and let them know you have a letter from the CA that shows deletion of their trade line from all three CRA's. TU and EX have already deleted why not them???? If they don't delete I would file a complaint with the CFPB and FTC.