pkg ticket released by judge but on CR

[Anonymous]

Called Experian and was instructed to mail in the letter from the Original Creditor (fax would not be acceptable).

Off it went in the mail.

How long do I wait patiently before I start pulling my Experian CR obsessively every day to see if they have taken it off? 

[Anonymous]

Disputes can take 30-45 days.

Do not be shocked if you get a response of "verified". As this letter came from the OC, not the company reporting, and usually the CRA will see that as "invalid evidence".

However, when they process the dispute, if the CA responds with "delete", then you'll be ok. But that bad thing is most disputes are handled automatically through computers, so an actual person at the CA may not actually know you are disputing or know your situation.

If it does come back verified, I would send the paper work to the CA as asked and let them submit a delete. All CA's will tell you it takes 30-90 days because that is the amount of time that a CRA has to update their files.

In all reality, a dispute usually takes longer to get something removed than it would take if the CA submitted a request for removal.

As for the other address..if you've never lived there, you need to do some background and find out why this address is on your report.

Check the "address identificiation number" and check each account reporting and make sure no creditors are reporting. If they are, find out why.

I would then have the address removed and watch my reports closely. Are there any inquiries you do not recognize as being yours?

[Anonymous]

Thanks for the response sidewinder - wow, some very knowledgeable people here!

I figured out the address issue - it's for a card on which I was an AU.  I'm not an AU any longer on that card but it's still showing up on my CR which helps my utilization tremendously.  I'll be leaving that one alone!

So, ideally, I should have sent my info to the CA instead of the CRA?  (Since I'm in no particular rush, this is not a crisis.  I'll just look at it as a lesson learned.)Strange that a letter from the Original Creditor would carry less weight than what the CA has to say.  I suppose I could have forged a letter from the OC though. 

• Errrr...did I make a mistake in not sending it CMRRR?  For some reason, I thought that was more important when dealing with the CA.

• Sounds like I should fax my info over to the person I spoke to at the CA this morning - even though I have sent the info to Experian?   Chopbrocoli had recommended that originally but when the lady from the CA told me it would be faster through Experian, I did that instead.  (ah, another lesson learned)

[Anonymous]

just an update:

• I sent the ppwk, including letter from the OC, to Experian.  They sent me an email that said it had been verified.  Grrrr.
• I called back the the very nice helpful woman at the CA, told her I had no joy via disputing with Experian.  Faxed over the docs to her.  
• Magic happened. 
• When I ran my CCT today, my FAKO for Experian went from 701 yesterday to 771 today.

what I learned -

• check your credit report regularly because there may be errors.
• when a very knowledgable person on myfico.com tells you to send the info to the CA, don't be swayed by the CA into disputing it with the CRA as a faster way.  they know what they're talking about here.
• not everyone at CAs are horrible terrible and incompetent

Thanks all!