Special Handling Status

[veracious]

What does it mean when you are placed in  "Special Handling Status"  with the CRA's ?

Is this the result of using a Consumer Advocate Attorney, or is there another explaination?

Thanks for any replies.

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ETA:  I still have access to customer service answers,  but am immeadiately transferred to a senior rep in special handling

who then answers my questions. veracious

[llecs]

I've never seen that. Is this a comment within a TL on your CR or is it a comment at the end of your CR (e.g. like others of "fraud alert" or "opt-out")

[veracious]

Ilecs,  this is not a comment found on my credit reports.

I get this remark from each of the CRA frontline customer service reps at Eqifax and Transunion.

In other words,  every time I have any verbal contact with a CSR, after stating my SS#,   I am immeadiately transferred

to a representative in Special Handling.  

I'm not complaining , just curious as to why I always get transferred to an  English-speaking representative

I just wonder what special handling means..

[llecs]

Ah...happens when you call only. I don't know. I never trusted verbal communication anyway. Maybe there's a fraud alert on your CRs? Just a guess. DW had a FA on EQ and we called to get it cleared up. Seems like she was wisked away to some special department right after the answered.

[veracious]

Ok, thanks   Ilecs.

I don't think I have a fraud alert.  I haven't  pulled my report from annualcredit report yet.

 Of course there is no way to know this on myFICO reports I pull from this site.

At least I've never seen it

[llecs]

I may be wrong, but I think you cannot pull from myFICO if there's a fraud alert. EQ can also tell you if there's a FA if you call.

[RobertEG]

There is a process for special handling status of disputes with the CRA that can be rquested by certain  parties, usually attorneys.  It bypasses the normal automated e-Oscar handling of disputes, and puts it under personal handling by a supervisor.  It is rarely requested, granted, or used.

Do you have a pending dispute?

[veracious]

Thanks,  Robert

  You are exactly right,  now that I recall,  there was a dispute which involved something on my wife's

report that showed up on my report. We let an attorney handle the dispute and he had power of an attorney

to request deletion of the dispute. 

By the way,  in all my dealings with the CRA's,  nothing ever went so smoothly as when I let the attorney

handle it.

[RobertEG]

Surprising how, when a real person is involved, and not just stupid e-Oscar, things get done!

Reason number 1,000 to always use the direct dispute process rather than disputing through a CRA!!!!!

[Walt_K]

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@RobertEG wrote:

There is a process for special handling status of disputes with the CRA that can be rquested by certain  parties, usually attorneys.  It bypasses the normal automated e-Oscar handling of disputes, and puts it under personal handling by a supervisor.  It is rarely requested, granted, or used.

Do you have a pending dispute?

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If you are an attorney, in my experience, it isn't a matter of requesting special handling, you have to talk to the special handling people.  Anytime I call to ask any questions about my report, I am always transferred.  When I asked why I was being transferred, I was told it was because I am an attorney.  They always give me the direct number so I don't have to go through the process of speaking with the frontline CSR, and I always hopefully (naively) assume that I won't be calling that much more so I fail to take down the number.

It doesn't sound like the OP is an attorney, so this probably isn't relevant for the OP.  And it's possible I am being transferred for a different reason and the CSR is incorrect, but that is what I have been told on a couple occasions.  In any event, that's my experience.