Called Experian to find out Drop Date

[Anonymous]

At first she didn't understand my request. She put me on hold to ask somebody and when she came back on, she told me that I need to look at the "Date Closed" and count 7 years from that. She said in order to see more information and to see the "Date Closed" that I need to click on Dispute and go through the steps until I see a link for more information on the account. I told her that I didn't want to dispute but to verify the date. She said I did not have to complete the dispute, but just go through it to find out the information I am looking for. She then laughed and said "If it were me, I would dispute everything that is bad on my credit report!"

[Anonymous]

Yes, it is true that you can initiate a dispute, find more information about each account, and then not actually submit the dispute. I have done this.

When you initiate an online dispute, one of the steps will involve seeing a listing of all items on your credit report, with a little checkbox next to each one (if you wanted to dispute, you would check the ones that you believed to be in error). If you're just looking and don't want to dispute anything, don't check any of the checkboxes.

It's also interesting to note that anything that has been removed from your report since the date you pulled it won't appear on the list given to you in the online dispute process.

[bott6698]

How do you think I get so many free reports LOL LOL LOL

Hey also do not dispute everything on your report. Only items you feel are wrong or won't be verified. I lost major points because companies verified and it acted like a new collection account. Example EQ went down 32 points. I had a score watch that I got up to 564 eq because another disputed account was removed  and then when dispute was done I lost 32 points for one being verified

[Anonymous]

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@bott6698 wrote:

How do you think I get so many free reports LOL LOL LOL

Hey also do not dispute everything on your report. Only items you feel are wrong or won't be verified. I lost major points because companies verified and it acted like a new collection account. Example EQ went down 32 points. I had a score watch that I got up to 564 eq because another disputed account was removed and then when dispute was done I lost 32 points for one being verified

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There is really only one that I am concerned about. I need to know the drop date so I can figure out the SOL before I deal with Midland.

[Anonymous]

Vesper-- do you have Experian's phone number handy?

Have you pulled your free report at www.annualcreditreport.com ? It will have this information on it.

[Anonymous]

The number I called was #1-888-888-8553. I forgot to mention, when I asked her if she could look at my First Consumer National Bank account, she told me she isn't allowed to look at my credit report. I didn't understand that.....

The next time I can get my annualcredit is in August. The only reason I want to verify is because I don't want Midland on my a** if I am within SOL. I looked at my older reports from freeannualcredit and it doesn't give me a drop date.

[Anonymous]

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vesper wrote:
The number I called was #1-888-888-8553. I forgot to mention, when I asked her if she could look at my First Consumer National Bank account, she told me she isn't allowed to look at my credit report. I didn't understand that.....

The next time I can get my annualcredit is in August. The only reason I want to verify is because I don't want Midland on my a** if I am within SOL. I looked at my older reports from freeannualcredit and it doesn't give me a drop date.

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Is Midland on any other reports?

That number is not Experian. It is a credit monitoring service that is OWNED by Experian, which explains why she couldn't view your report or tell you anything.

They are just re-sellers.

You can get a free report from TU by initiating a dispute and then not submitting it, but I don't know if you can EQ and you can't from EX(or I haven't been able to).

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
The number I called was #1-888-888-8553. I forgot to mention, when I asked her if she could look at my First Consumer National Bank account, she told me she isn't allowed to look at my credit report. I didn't understand that.....

The next time I can get my annualcredit is in August. The only reason I want to verify is because I don't want Midland on my a** if I am within SOL. I looked at my older reports from freeannualcredit and it doesn't give me a drop date.

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Is Midland on any other reports?

That number is not Experian. It is a credit monitoring service that is OWNED by Experian, which explains why she couldn't view your report or tell you anything.

They are just re-sellers.

You can get a free report from TU by initiating a dispute and then not submitting it, but I don't know if you can EQ and you can't from EX(or I haven't been able to).

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Well gosh darn it, that was the number to call on my CR. EX has the OC and Midland on it. So I was going to dispute the OC (First Consumer) and say not mine. The reason why is that they went BK in 2003 and I never heard from them. I didn't know about Midland until I bought my CR a few weeks ago. TU and EQ have just Midland.

[Anonymous]

Sidewinder,

I just went through the dispute process and I can now see the dates! It's weird because the format is completely different than what I bought and they said "No Fee". Anyway, looking at this CR, this is what is listed for FCNB and Midland. Midland is now listed twice!!

First Consumer National Bank:

April 2010 is listed from drop date

180 past due as of Dec 03
Last Reported on 01/04

Midland (CA for First Consumer):

This is scheduled to drop 04/09

Midland (CA for First Consumer) again:

now this is interesting...it says
"This account is scheduled to go to a positive status as of October 2009.

I am so vexed by all of this!! Any advice?