topic Re: Experian is requesting copies from me in Rebuilding Your Credit

Experian is requesting copies from me

Anonymous — Fri, 07 Aug 2009 15:57:28 GMT

I have an account that is reporting to experian. Under my payment history they are reporting a RF in 11/2007 and another RF in 7/09. I called Experian on this matter and told them that this repossesion happened in 2003. This account is one that I had recently disputed last month and the file was updated. I have applied for a mortgage recently and the lady told me that my score was good enough to get approved however they couldnt help me due to the fact that I had a repossesion in 11/2007. Would updating the file result in another RF for 7/09? To my understanding in talking to Experian, that is the date that they are reporting the repossesion happened. When I explained to her that repossesion happened in 2003 she asked me if I had any documentation regarding that and I said yes. She gave me the address to send a copy of it to to investigate. When i disputed this account last month they had the date of removal of this account being next month. Should i even bother in sending it? If it is supposed to be removed next month will it show up in september or october? If I do send the letter how should i send it?

Re: Experian is requesting copies from me

Anonymous — Fri, 07 Aug 2009 16:20:43 GMT

Every time that an OC or CA reports the account is updated! It will show report date. This does not mean that this is the date that the repo. took place. It only means when it was REPORTED.

When a CA first starts to report it will show OPEN date. This only means the first time that they reported the debt. The debt might have accured several years before.

The CRAs will want proof that they are reporting incorrectly! Like an old CR showing another CRTP date.

The CR must be from the same CB. OR court papers showing when the repo took place. OR old bills on letterhead showing the DOFD from the OC.

Re: Experian is requesting copies from me

Anonymous — Fri, 07 Aug 2009 17:11:11 GMT

I have contacted Experian about this matter again to ask them if I should still send them the paper from Vanderbilt since is is due to be removed next month. He told me I could if i wanted to but the scheduled date of removal is 9/1/2009. So I asked him if someone pulls my credit on 9/2 if it would be gone and he assured me that is correct. This same account was being reported to Transunion also so I called to dispute this as being a duplicate on my report. Both the original creditor and the mortgage company that bought my loan were reporting this on my credit report. I told him that the Oakwood and Vanderbilt accounts were both regarding the same loan. I called back today to see if they were reporting the RF status to TU also to find out to my delight that they deleted the Vanderbilt account on 8/5/09. Do you think it is at all possible to get them to go ahead and delete the Oakwood account also? My DOFD was 10/2002 and the repossesion happened in 3/2003?

Re: Experian is requesting copies from me

DI — Sat, 08 Aug 2009 01:10:45 GMT

The CSR who you spoke with could have made the request to delete the tradeline sooner if they wanted to. But since it is coming off 9/1/09 I wouldn't stress it.