Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


The last post in this topic was posted 2768 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

Hello everyone,

 

I am a newbie to the forum so forgive me if this question has been asked many times before. I have done a lot of research on the site and appreciate all of the helpful info I've gotten so far.

 

I am in the phase of removing all old addresses from my credit reports and have successfully been able to do so easily with Equifax and Transunion. As most of you know from what I read, Experian wont budge on any old addresses. I got some dorky sounding guy on the phone named Kevin that sounded like he was reading from a script. My questions is this: Is it even worth the time to dispute negative TL's with Experian or should I try to do so anyway?

 

I also read somewhere that someone "froze" their Experian CR due to this. What exactly does that mean and what does it entail? I don't want to tell them that there has been identity theft if that is what freezing is. But I thought that maybe it just meant that no one can pull credit from this agency but not because of identity theft.

 

Any help would be greatly appreciated!

Share this post


Link to post
Share on other sites

I know people complain about Experian often, my experience was great though. Experian is my best report and has been the easiest for me to deal with. If you have TL's to dispute it's my opinion to dispute them w/all the CRA's. You may be surprised with your Ex results. Even if you don't get the deletions you can at least know you tried and attempt later from different angles :) Make sure you dispute through the mail (certified).

 

Freezing your report just keeps creditors from pulling that report for credit applications. It's useful if you go on an app spree and get too many inq's on Ex...freeze it and many creditors will pull Equifax and/or Transunion instead...others will request that you lift the freeze, just depends on the creditor.

Share this post


Link to post
Share on other sites

One thing I've noticed is after I removed my old addresses from TU and Equifax they reapread a month later. I guess the account I disputed updated all the information again or just by their monthly updates. I disputed the address again online and they gone again. We'll see how long it'll last.

Share this post


Link to post
Share on other sites
Guest

It's best to call up on the phone.

Share this post


Link to post
Share on other sites

EQ and TU were a piece of cake. EX deleted all but one address. I sent them a letter to remove and they did. I used the potential of my identity being stolen as I no longer lived at that address. BAM! It was gone.

Share this post


Link to post
Share on other sites

I got all of my old addresses deleted from Equifax and Transunion as requested. Experian deleted 1 address but would NOT delete the address that was tied to a TL.

 

Maybe you will have better luck.

Share this post


Link to post
Share on other sites

The last post in this topic was posted 2768 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

  • Similar Content

    • By 44everent
      I don't know a way (for free) to check my Equifax file but I doubt I have anything reporting there and I know DnB doesn't have anything but I do have some tradelines reporting to Experian.
       
      Does anybody know any relatively accounts I can get that only check your experian file? Also I'm NOT looking to PG anything, and it would definitely help if they reported to all 3 as well.
       
       
       
      I'm sure there's an answer to this already in the forums somewhere, I tried searching but couldn't find my answer. Thanks in advance, & I'll still be searching in the meatime.
    • By bunyan
      Hello,
       
      I already had one $5000 Cash Rewards Visa with BofA and a $300 limit Signature Visa as well. The $300 Visa was open since 2007. The $5000 limit one has been open since 2011. I also have a $2500 Amazon store card since about 2011 and a Capital One Quicksilver Visa with an $800 limit, and a Capital One Platinum MasterCard with a $700 limit. Have had both of those since 2010. The $5000 BofA Cash Rewards card, Amazon Store Card, and both Capital One cards have all been as the limit since last summer. I never had any late payments. I have had my checking account with BofA since 2007. I also have a business account with BofA. No Money Market amounts or anything like that with them. My Experian score is 726 (That's who they pulled)
       
      I was in the branch on Monday and the teller said I had a Credit Card offer. So I sat down with the representative, and had him put in an application for another Cash Rewards Visa with a $5000 limit. That was instantly approved and I got the credit card in the mail yesterday. So today I'm at work and decide to call in and do a balance transfer from my other cards to my new card. While I'm talking to the CSR I ask if he thinks I can get a CLI to 10 or 15 grand. He said he thinks I can and maybe they won't even do another inquiry since I just got this card yesterday. I said ok go for it. 15 grand. He doesn't get an immediate answer back and says I should hear something in the next 3 days. This was around 1PM today. I check my account at 4 and I see my limit is up to $15000 on my new card. Wooo hooo! The CSR also said that I can get a cash advance for up to my maximum credit line at 0% until April of 2016. Fees are 3%. He already had approved me for $4800 (Since my initial credit limit on the new card was only $5000) but said once I get my CLI just call him back and he can give me more.
       
      I'll be calling him Friday! Lol I'm gonna put all my other card balances on here so I can get the 0%. They'll be paid off well before then.
    • By JonE
      I'm considering calling/writing the 3 CRA's to have old addresses removed due to a serious fear of ID Theft. I've read all the threads about good and bad (old baddies removed, old good standing accounts removed in process, etc.) just wanted some experiences from some of you on how it worked out for you if you did it. Did your credit score get affected, and to what degree?
       
      If this sounds like a newbie question, well, it is.
       
       
    • By Mister305
      Hey everyone. I hope everyone has a great holiday. Does the Experian Credit Expert program work for bumpage? Let me know. Many blessings for you and your families.
    • By Leykis101grad
      Hi All,
       
      Just wanted to post this for any of those who might have disputed an Advanta Credit Card account with Experian. I had this exact problem with Experian. Just received a notice in the mail that Experian is being sued for identifying Advanta as the provider of information on Advanta Bank Card accounts. Advanta Bank was taken over by the FDIC, and its portfolio of credit card accounts were sold to Cardworks Services. In typical Experian fashion they continued to verify that Advanta Bank was verifying the account data, even after they were taken over and closed down by the FDIC. It was actually this company Cardworks Services, that was verifying the data. Luckily Michael Dreher has brought a class action against Experian. If you think you are eligible you should join the class. Website is www.advanta-experian.com you can email them at AdvantaExperian@clalegal.com. Or PM me I can email you a copy of the letter.
       
      I know people are going to say your only going to get a couple dollars, and that is fine. Hopefully Experian gets hit big time, and realizes it is cheaper to follow the law than pay these fines.
       
      Good Luck! Tommy



  • Member Statistics

    • Total Members
      179,892
    • Most Online
      2,046

    Newest Member
    WTAYVONNE
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines