Re: Experian Report Monitoring

seruby · ‎12-01-2014

So I found something that I thought would be helpful to anyone rebuilding (or simply monitoring) their credit who may not know about it already. I think it only works for Experian though because they allow you to login with a report number.

When you get you report and file a dispute, they will email you and say the results of your dispute are ready. Most of us probably read it, go to the link, enter the report number and investigate number, read the dispute results, then delete the email. However, you should save it. If you go to experian's website and choose "Log in with report number", you can use that same report number to log in to experian and view changes to your report.

I have 2 emails, one from 9/10/14 and 1 from 10/10/14 (the one from 7/11/13 didn't work), and both report numbers worked and showed me what I report looks like as of the day I log in. When I tried it last week, it showed me my report as of that day after 1 of my collections had been deleted (it was 1 of 3 accounts the CA agreed through the BBB to delete). I tried again earlier today and saw 2 more had a notation of being investigated(I didn't want to wait for the CA to send the update in a month, so I sent their agreement to Experian) , then just now it showed my report with those 2 accounts removed.

You don't get your score, but it's a way to check for changes to your report, or get more details on accounts on your report, without having to buy every month.

Anonymous · ‎12-01-2014

Yeah enjoy it while it lasts . I think they give you something like 60-90 days to view your changes . This is why You don't dispute all your old addresses at once . Unless you have to .

hawaii-girl · ‎12-01-2014

Refugee47 wrote: This is why You don't dispute all your old addresses at once . Unless you have to .

What do you give as reasons for disputing your old addresses? I would like to get the old ones deleted, but all mine are real, altho some of the dates of residence are wrong at one CRA, but the online dispute does not have a place for entering dates.

seruby · ‎12-02-2014

@Anonymous wrote:
Yeah enjoy it while it lasts . I think they give you something like 60-90 days to view your changes . This is why You don't dispute all your old addresses at once . Unless you have to .

Ah, probably explains why the one from 2013 didn't work. Well, guess it's still useful for monitoring it for 3 months.

Anonymous · ‎12-02-2014

@Hawii-girl
There's an option for "don't live there anymore" or "old address" . Something along those lines.

@seruby
Yeah better than paying 20 dollars a month for them .

joltdude · ‎03-04-2015

Hate to reopen this link but had an issue.. Seems Experian changed something this month in View my Report again.. Now its coming up as a New dispute...

Used to be able to get a pull update by reentering the number off the previous requested report...

Though I finally got that gross misspelling of my last name corrected but now it appears my employers addressed screwed up. The name was deleted/correctedt overnight though...