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atrocity

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  1. I agree with you but I'm sort of in a time crunch and the reps and supervisors I speak to are over seas and only trained on level 1 issues. I keep mentioning lenders can't pull my report and they respond with "there's nothing I can see preventing that and your lender should call our business line when pulling your report". Lender says they call business support and they will not help them because they are not authorized. I will call the business support line tomorrow, as I haven't tried that angle. See above quoted response, I've tried this with no avail. I will call business support tomorrow, if that doesn't work I will have to snail mail a request.
  2. I'm working with a two mortgage brokers, one who is having a third party http://www.sarma.com/who is performing the credit pulls. I will have to ask the other broker who they are using on Monday. The issue I'm having is, whoever I'm on the phone with at EQ thinks I'm referring to the fraud alert that is initiated on MyEquifax.com not the extended fraud alert from disputing something as "not mine"; does this extended fraud alert go by a different name?
  3. Yes I did a "not mine" dispute back in October 2019. I called and escalated to a supervisor and they can't see anything on my account. I'm assuming there are two separate types of fraud blocks, the simple one you can initiate on MyFico.com and the 7 year extended fraud block. None of the reps can see this extended fraud block on my account, does this go by a different name? They believe I am referring to the simple fraud block on MyFico.com Are there any template letter or requirements for removing this 7 year extended block via mail? I can't find anything concrete online. I also noticed 2x Credit File Status Report Blocked for Promotional Purposes on my account, assuming these are from opting out and are unrelated? Thank you for all the replies, I understand I made a mistake back in October and and just trying to clean up this mess.
  4. I believe this to be related to a 7 year extended credit fraud alert due to me opting out: https://ficoforums.myfico.com/t5/General-Credit-Topics/File-Blocked-for-Promotional-Purposes/td-p/1577396
  5. Linking to a self credit repair I initiated back in October 27, 2019: Posting here for help, do you have any to give besides luck on getting out of this mess?
  6. Hi, Applying for a mortgage through 2 separate lenders and they are both able to pull from Transunion and Experian without an issue but they are unable to generate/ pull a report from Equifax. When they try to make a pull they are receiving the attached message "Equifax remark: inquiry information identified as fraudulent by consumer - report not available". Lender is using correct name and address, I'm also able to see my credit report through MyEquifax and third party credit reporting services. Anyone have a clue? I tried calling Equifax multiple times with them saying there are no freezes or locks. I would like to go into contract but this is preventing me from doing so.
  7. Yes, I understand it was out of pure convenience and laziness on my part which I regret. If its been over 30 days since the TU removed the reporting account, is it gone for good?
  8. An update, EQ just emailed me and are saying the 2 accounts are verified but only list the OC and amount. It's weird that TU deleted within a week and both EX and EQ did not delete? I plan on going the snail mail route, should I start with the HIPPA Dispute Letter or send the Follow UP Letter?
  9. I wanted to follow up as I had some success and some questions. These are the exact steps I took: 1) I opted out 2) I deleted old address from the 3 CRA's 3) I disputed ONLINE with Transunion as a test with condensed version of the INITIAL HIPAA DISPUTE LETTER and my reasoning as "Not mine or No knowledge of account". I say condensed as each CRA only allows 210 characters or less under the comments section. - Transunion deleted the account in 5 days. With this success, I decided to continue with the remaining two online 4) I duplicated step 3, identically, with both Experian and Equifax. - Experian got back to me within 4 days and reported the account as unchanged but lists the OC Hospital name and has this statement "Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)". Is this account now verified? If not how exactly do I know if an account is verified? I have not received anything in the mail from Experian or the CA. - I am still waiting to hear back from Equifax, they have until 12/3/19 What are my next moves for Experian? Should I dispute by snail mail with handwritten letter with full Initial HIPPA Dispute Letter? I just think its bizarre TU deleted it and EQ is still investigating. Thanks in advance!
  10. Hello all, new member here who has been reading through the stickies and comments for the past couple of weeks and finally decided to make an account. I was given medical services on 11/18 for two balances of $823 and $145 from the same ER. These balances went into collections on 4/19 and the $823 balance was reported to the big 3 CRA's and and the $145 was reported to only EQ. The CA's are different for the two amounts. I was currently living at my old address when I visited the ER and never answer my phone to any numbers I don't recognize so I never received any voicemails, letters, or emails from the CA's which means I never admitted to any of the debt. Their letter may have been lost in the mail when I moved. My Transunion credit report is showing the $823 CA pulling a hard credit inquiry on me but is not listed as a derogatory mark on my credit but is till coming up as a collections, is this normal? I was reading through the whychat method for removing these as I plan on purchasing a home on 1/20. My questions are: -Is the sole purpose for "opting out" for preventing my data from being sold? -What is the purpose of removing old addresses? -If I did indeed sign a HIPAA release form, at the ER, does this null and void this whole process? -With my scenario, can I go through this process through each CRA's online portal? I am reading mixed opinions on this. Thanks in advanced!

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