Satori98

I know that PGing business credit defeats the purpose of separating business from personal, but I would like to know what would happen in the following scenario: A new business is offered a small LOC from their own bank (small= $2000) for startup funding. This is the first, but only credit with a PG and all subsequent lines are built based on NET accounts and by the weight of the business only, no additional PGs. The original LOC from the bank is paid in full and is not used again. Will subsequent lines still entangle with personal information? Is it possible to just let that initial PG slowly disappear and be personally protected for the duration? Or can that one line come back to haunt the owner later.

I'm working on EX, EQ and TU, and I decided I would tackle personal information first. It's pretty disturbing with various spellings of my name, my children's names mistaken for me, and ridiculous addresses from up to 20 years ago or more. So I ran into a snag on TU. There were no less than 15 incorrect addresses. With a simple letter, I got 12 of them removed. The only three left are my current address and 2 variations of an inaccurate address that last reported in 2007. The first go around, the addresses were not removed by way of the letter so I called them by phone. The customer service rep on the line told me she was removing the addresses as we spoke and she would send me out an updated report. I got the report one week later and the addresses were still there. Then, the second go around, I asked to speak to the United States call center instead. They transferred me immediately. I told him that after 2 tries these addresses were still reporting. He took a moment to check to see of the addresses were attached to accounts that are reporting at this time. He was able to verify that the addresses are not associated with any accounts of mine at all. He also informed me that he was deleting the addresses as we speak and by the time the phone is hung up those incorrect addresses will be gone. He also sent me an updated paper copy of the report. It came in the mail today and those two damn addresses are STILL on there. Anybody have ideas about what to do next? By that I mean, should I escalate to subtle threats by a more aggressive letter, or should I try calling again and speaking to someone higher up? FWIW all incorrect addresses and everything else were removed from the other bureaus already.

So I thought this was funny. I logged back in to Equifax because they claimed they had the option to both fax and upload the verification documents once scanned in. I go looking for the place where I am supposed to be able to upload the files, and lo and behold all of the old addresses had already been removed. Meh. I guess I'll just mail off the documents instead and not bother with the electronic transmission methods. Since LexisNexis was mentioned earlier, I figured I could piggyback a quick question here. Is the dispute process for LN any more difficult than for the standard three? I'd like to try to clean that one up too, but it looks like LN has an entire dossier of your life and escapades, and would take forever.

Thanks for the info. I'll figure out how to either blur or completely chop off the bottom portion of the license. I'm wondering if I should blur the serial number as well. If I gave them the license unmodified, would data miners be somehow able to get their hands on it?

Would a w-9 or a social security card be a better option? I was definitely hesitant about displaying the income information, as the bureau has no employer listed. I'm open to sending the identifying information. I also know not to sign dispute or cover letters by hand. I'm trying to go with the age old advice of not volunteering any more information than is completely necessary. I think a name, SSN and current address is sufficient, income and employment information is irrelevant for deleting an address that I had in 4th grade - like 30 years ago, lol

bumping

At the risk of sounding silly for this, I must ask the question anyway. I'm up late checking one of my credit reports. Got a denial from a major bank yesterday, so I got the free credit report directly from Equifax. Printed it in full from the website and began the dispute process starting with outdated address information. To validate, they are asking for w-2, driver license and utility bill within 24 hours from the moment I clicked the dispute button. A secondary concern is that all addresses are old - all 10 to 15 years old or more. Two of them were grandparents' homes. The two dispute reasons I used for all of them were either "this address does not belong to me" or "this is the address of a relative or someone with a name similar to mine" (the 2nd one for the grandparent addresses). I seem to be finding conflicting information about sending the CRA a scan of my driver license and w-2 form. Some advise strongly against, some encourage highly. I am not sure how to proceed, but something about sending them doesn't seem right. Do I send over the verification paperwork right now by fax (and in color), or wait and mail them by certified mail later with b/w copies? EDIT: I didn't opt out first. As I have lived at my current address for 5 years, is opting out necessary for now? Also, is it possible to request the amount of time that I remain opted out (6 months? 1 year? 2 years?) I very enjoy getting offers in the mail.

Hello. After making a quick search on these forums, I would like to know if it's better to contact all three bureaus directly when trying to dispute inaccuracies, or if a service such as CCT (Credit Check Total) will work equally well. I'm a member of a credit education group and they insist on CCT, but from what I've read here, the implication is that getting the reports directly from the big three is a better option. Would there be a major difference in the two options for getting my reports? Thanks in advance for your knowledge.

The CRA's help them skip trace you too. Just FYI. Can the CRA be part of the lawsuit? I know Experien advertises their skip tracing system.

Oh another question... unrelated but as long as I have a captive audience I might as well ask. I've heard that adding a 100 word statement is useless. However, I have been working with finance companies who don't report to the big 3. They have given me short "paid in full" and "in good standing" letters that I believe can be attached to my credit file. Is it true that I can have them attached, and are they actually worth sending?

Sorry to be posting so many question in such a short amount of time. I'm pretty much at peace with what's on my report in terms of the accounts that are reporting. Negative items will drop off soon and positive items are reporting correctly. All accounts reporting appear to be mine and positives outnumber negatives. So here is my problem. It seems they have 35 name variations of mine, obviously I only have one name, LOL! As well as address information up to 20 years ago of places I have been long gone. Is it possible to dispute every single wrong name, address, phone number and workplace and have all but the most current be deleted? I am asking this question because I am in Experian's website considering doing the online dispute process. I did dispute a few obvious wrong ones a week ago and they were deleted the same or next day (confirmation email came the same day as the email confirming my username on the site). The ones I disputed were wrong city/street address matches, horrible misspellings of my name, and an old (20 years ago) ex boyfriend listed as my spouse (I just said that the spouse name was wrong and they took it off). Anyway, they have variations of my name including his last name as my name, etc. WTF? I want that OFF! But they only give 3 reasons for disputing names, I'm not sure if any of them are accurate. They don't have an option for "other" where you can give an explanation, such as "I was never married to this individual." Anyway, sorry for the long post. Has anyone had luck taking off ALL name variations and ALL old addresses/phone numbers so that only the current is left? And is it better to pursue this by mail or online or some other way?

So, for example here is one of them, and I guess CO means charge off and ND is no data. I first started being delinquent in like 2004 or 2005. so I'm not sure if this should still be showing up. Experian - Investigation Results https://www.experian.com/consumer/cac/DeliverCDFReport. 3/19/2015 10:17 PM Address Identification Number: 0188095989 Status: Account charged off. $67 written off. $67 past due as of Feb 2015. Date Opened: 10/2001 Reported Since: 07/2011 Terms: 1 Months Monthly Payment: Credit Limit/Original Amount: $67 High Balance: NA Recent Balance: 2015 FEB CO JAN CO 2014 DEC CO NOV ND OCT CO SEP CO AUG CO JUL CO JUN CO MAY CO APR CO MAR CO FEB CO JAN CO 2013 DEC CO NOV CO OCT CO SEP CO AUG CO JUL CO JUN CO MAY CO APR CO MAR CO FEB CO JAN CO 2012 DEC CO NOV CO OCT CO SEP CO AUG CO JUL CO JUN CO MAY CO APR CO MAR CO FEB CO JAN CO 2011 DEC CO NOV CO OCT CO SEP CO AUG CO JUL CO 2014 NOV C OCT ND SEP ND AUG ND JUL ND JUN ND MAY ND APR ND MAR ND FEB ND JAN ND 2013 DEC ND NOV ND OCT ND SEP ND AUG ND JUL ND JUN C 06/2011 Last Reported: 02/2015 $0 Responsibility: Individual $67 Recent Payment: $0 Payment History: Account History: Charge Off as of Dec 2014 to Feb 2015, Jul 2011 to Oct 2014 Balance History: Jan 2015: $67 / no data / no data / no data Dec 2014: $67 / no data / no data / no data Dec 2014: $67 / no data / no data / no data Oct 2014: $67 / no data / no data / no data Sep 2014: $67 / no data / no data / no data Aug 2014: $67 / no data / no data / no data Jul 2014: $67 / no data / no data / no data Jun 2014: $67 / no data / no data / no data May 2014: $67 / no data / no data / no data Apr 2014: $67 / no data / no data / no data Mar 2014: $67 / no data / no data / no data Feb 2014: $67 / no data / no data / no data Limit High Balance History: The original amount of this account was $67

Hi. I'm a longtime but very quiet member here. A few days ago, I did exactly what (I think) I wasn't supposed to do, which was use a credit report I received online to make my disputes. Happily, everything I disputed online was actually deleted! That was nice. but here comes the question. Experian's results page has a little statement that says this: Potentially Negative Items or items for further review Back to top This information is generally removed seven years from the initial missed payment that led to the delinquency. Missed payments and most public record items may remain on the credit report for up to seven years, except Chapters 7, 11 and 12 bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past due remain up to 10 years after the date the account was transferred. Okay, so some of the negatives that I didn't dispute 'yet' started being late more than 7 years ago, but the companies in question have been reporting as recently as 2 years ago. Should I go ahead and push this as my reason for disputing, or just leave it alone for a while? I don't have any purchases or career/residence changes coming up any time soon, but a couple of stores refuse to give me a card because of one of the companies that is reporting. It's not end of the world but if I have a chance to take those old accounts off that would be nice.

Another question. I haven't seen anyone ask if it is a good idea to send correspondence from your home address or an alternate addesss. Could they use your return address against you?

My last reply disappeared, but I was asking if it is bad form to dispute more than one account in the same handwritten letter. Or to dispute more than one piece of information (such as a name variation and an erroneous trade line) in the same letter.