MF'er on my credit report...

[fixit502]

So I pulled my CR this morning to find MF on my credit report for an old cell phone bill. I had canceled the plan in the 30 days but it seems they had a balance for me anyway...

 

This was back in 2005 or 2006.

 

Anyway, when I went to look at the details to formulate my plan of attack, MF is not listing date of default nor is it listing the date it will be scheduled for removal. I checked my other neg accounts and they all show date of removal in the status details.

 

So, how do I proceed with MF? I know they are shady characters. I can't remember when I cancelled so I don't even know if I can use the sorry past the seven year letter.

 

Do I need to call EX and get a hard copy report, would the date of default and date to be removed be on that instead? I figure it would be online since the other accounts all have that listed.

 

Any advice on how to start would be most appreciated!

[jmf8756]

I would get a hard copy report directly from Experian. In my experience they have always listed the removal date on the report.

[fixit502]

I would get a hard copy report directly from Experian. In my experience they have always listed the removal date on the report.

 

 

Do you know of a direct way in contacting them to order it so they send it to me? Last time I kept getting redirected to order it online. I'm trying to get this done ASAP.

 

Thanks for your response!

[jmf8756]

Have you gotten your free report from annualcreditreport.com? That's the one I used and it had DOFD and date of expected removal on it. I have not tried but is there an option to order online but receive a paper copy in the mail directly from Experian?

 

Or, call this number: 1 888 397 3742http://www.experian.com/corporate/personal-services-contacts.html

 

 

 

[jmf8756]

Here's another number:

 

You also may call 1 866 200 6020 to request a copy of your personal credit report to be delivered by U.S. mail.

 

All consumers are also eligible to obtain one statutory free annual credit file disclosure from each of the national credit reporting companies every twelve months. You may request your disclosures at www.AnnualCreditReport.com or by calling 877 FACTACT. If you prefer to write, a request form is available at www.annualcreditreport.com.

 

 

 

 

 

http://www.experian.com/corporate/personal-services-contacts-faq.html#1

 

 

 

[fixit502]

The number worked. I will get it in about 10 days.

 

Now...

 

Anyone know how quick MF is go to away or are they hard to deal with? I know it is out of SOL, just not sure if it is past the seven year mark. I *think* it is... but won't know until I see the hard copy of my report.

 

And what if that info isn't on the hard copy. Are they required to put that information on the credit reports, (date of default and date to be removed from credit report) ? I've not come across this until now.

[unoriginalnj]

I disputed online with all 3 CRA'S and it was deleted within a week.