Well Experian did it again!

[Anonymous]

As I've posted in other threads, I don't have bad credit I just don't have much credit.  I have no debt and over the past couple of years didn't realize I need to play the FICO game and learn how to juggle balances, utilization, zero balances and PIFs until I applied for a mortgage six months ago only to learn the 780+  FICO magically transformed into 630 FICO.  So I came to myfico.com and read about building credit and started building with new accounts focused on CLs and low utilization.  I also looked at my credit report and found an astounding amount of wrong personal info on me, lots of inquiries that I didn't recognize and even a medical bill and utility bill.  Convinced that identity theft may be at plan I placed a fraud alert on my file and then hired a repair agency to deal with the inaccurate accounts.  Long story short, Experian (on my birthday) sent a letter indicating suspicious requests about my credit information had been received, deemed by them to be illegitimate and directed me to their online dispute process if I felt there were errors on my account.  So apparently hiring an attorney and granting them a power of attorney to act on my behalf is not considered a legal activity nor is physical letters acceptable to experian.  Well not only did they drag their feet wait until nearly the 29th day but refused to consider the requests made on my behalf.  And, if that wasn't enough the tutility bill suddently became two accounts, one in the original utility name and the other in the successor who acquired them with balances of $191 and $192 and re-aged them to 5-1-2009.  I've lived in my house during the years they claim the utilities are mine.  The medical bill suddenly appeared re-aged as well.  Well, looks to me Expeiran doesn't want my business and i quetion the protracted futility of trying to deal with them short of a legal battle.  Why can't I just freeze Experian and not play with them any longer.   My TransUnion is 688 and expected to reach 720 in no time.  My Equifax is 651 and likewise likely to be 700's. 

What if I just consider Equifax and TransUnion my FICO CRAs of choice and not deal with Experian ever again.  Will this impair my ability to get a mortgage? 

Any advice from some of you veterans out there?

[haulingthescoreup]

It's possible to live off the Experian credit grid for CC's and regular loans, but for a mortgage, every lender I know of pulls all three. Generally a lender goes with the middle score of the three, so if you have EQ and TU nice and high, then one of them would be the middle score, and EX wouldn't be looked at.

But lenders still might be skittish when they see that EX report, because they will look at all three.

And btw, Experian doesn't give a rat's patootie about your business, or mine, or that of any other member here. The customers of the credit bureaus are lenders, not consumers. We are deeply irritating presences which they mostly ignore or occasionally retaliate against if sufficiently annoyed.

For advice on getting the crud off your EX report, you're probably going to do better over on General Credit, so I'm moving this thread over there.