topic Re: Experian help in Rebuilding Your Credit

Experian help

juniornj23 — Sat, 23 May 2015 01:26:06 GMT

I just call experian to ask about early deletion from 5 HP they should fall in 2 moths the CSR said you have to wait until they fell off I dont know how people said they got early deletion 4 moths before time

Re: Experian help

gdale6 — Sat, 23 May 2015 02:27:34 GMT

@juniornj23 wrote:
I just call experian to ask about early deletion from 5 HP they should fall in 2 moths the CSR said you have to wait until they fell off I dont know how people said they got early deletion 4 moths before time

You have to keep calling until you get someone who is willing to help you, since this is a holiday weekend I would wait till Tues to call again. You can ask for a supervisor too, they are sometimes more willing than the CSR that answers the phone. Inquiries are not eligble for the early exclusion only derog COed, CA or PRs are.

Re: Experian help

Anonymous — Sat, 23 May 2015 02:51:45 GMT

@juniornj23 wrote:
I just call experian to ask about early deletion from 5 HP they should fall in 2 moths the CSR said you have to wait until they fell off I dont know how people said they got early deletion 4 moths before time

If the HPs are going to fall off in 2 months then they probably are not affecting your Fico score anyway, I do not know exactly how Fico operates in regard to hard pulls, but from all of my research, hard inquires will not affect your score once they are a year old. Granted under manual review, you may not want a lender to see them, but being that they are almost two years old a lender probably would not care about them. I have never heard of getting early exclusions on inquiries, but that's not to say it cannot happen. If it is important to you, keep calling them and try to find a rep that may do it for you. Dealing with Early Exclusions it may take a series of phone calls to connect with a rep that will help you.

Re: Experian help

diva_1515 — Sat, 23 May 2015 18:42:19 GMT

I hate Experian!!! I once had an account that didn't belong to me on my CR they kept "validating" it as mine. I even got a letter from the bank saying that the account wasn't mine, I had never had a CC with them and they still didn't fix things.

I had to file a complaint with the FTC for them to finally remove it!