Posts Tagged ‘ dispute ’

Correcting an address in your credit report

Dear Experian, I need to dispute an incorrect mailing address on my credit file. What is the process to correct my address? - FLR

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Experian will removed delinquent authorized user accounts on request

Dear Experian, I am listed as an authorized user on two of my husband's accounts, one of which was charged off, and the other is in collections. They are showing up on my credit report and negatively impacting me. How can I get these off my credit report? - SHR

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How disputed information is updated with other credit reporting agencies

Dear Experian, If one credit agency deletes a record because my dispute was favorable; how does that get reported to the other agencies, or does it? Do I send a copy of the result of investigation to the others so they can remove the unfavorable item? - KVI

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Removing ex-spouse’s address from your credit report

Dear Experian, I had you remove my ex-wife's address from my report, and now it is back on there. I need to know why, and I would like it to be removed and to stay removed. - RPR

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Dispute results letter is sent automatically

Dear Experian, Can I get a letter about the results of a dispute after the 30 day mark? I am trying to buy a house and they need the letter. - KLZ

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Resolving disputes with credit bureaus when you disagree with results

Dear Experian, I disputed items on my credit report and they were deleted by the other credit reporting companies, but not Experian. The results say it was considered verified. How is it possible that there are different results? I know that these are errors. What steps should be taken? - MSA

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Alarm company can turn past due account over to collections

Dear Experian, I have a dispute with a security alarm company. They have implied a contract extension on a policy that I did not approve. I have not made a payment on the policy since November 2012 and am concerned that they may eventually turn the balance over to collections, thus negatively affecting my credit, though they have not threatened such action yet. Is there an arrangement I can make with the credit reporting companies that can prevent harm to my credit in the event that issues with this company escalate? That is, can I prevent them from damaging my credit history by reporting this unpaid balance? Or is my only option to pay them? - JSS

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Company suing after account deleted from credit report

Dear Experian, Last year, I disputed an account with you and the other CRAs. About a month after the dispute, you and the other CRAs deleted that item off my credit reports. Now the company that placed that erroneous account is attempting to sue me. Can I request a document from you and the other CRAs validating that the account was deleted? - AFG

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Disputing address, student loans that may belong to daughter

Dear Experian, My wife got her credit report and an address that is not ours showed up. We need it removed along with two school loans that are not ours but may be from our daughter. - LSH

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It’s free to dispute information

Dear Experian, We want to fix our credit report, but when we called Experian we were told that we would have to pay money for it. Why do you say on your website that it is free to fix credit reports? - PSL

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Removing an incorrect address in your credit report

Dear Experian, You have me listed at an address I have never lived at. How is this removed? -DNW

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Notifying other credit reporting companies about dispute results

Dear Experian, I used your system to dispute an error on my credit report. I received the confirmation back that the error has been deleted. Do I now have to go to the other credit reporting companies to dispute or will Experian notify them so they will remove the error? - JPH

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Removing accounts and judgments that are not yours

Dear Experian, I have two judgments on my credit report that have been satisfied, and I don’t know how to get them removed. I also have an account from a company showing in my report, but I never had an account with them. What do I do? - LOC

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You can submit disputes anytime online or by telephone

Dear Experian, Can I dispute incorrect information at anytime online? - EWA

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Accounts deleted after dispute could be returned to your credit report

Dear Experian, I disputed an account and it was deleted because the lender didn’t respond in time. I just got a letter saying they are putting the account back on my report. Can they do that? - RLG

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How to dispute information in your credit report

Dear Experian, How do you dispute something on your credit report? - ONT

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What to do if you accidentally dispute an account entry

Dear Experian, How can you fix something on your report you accidentally disputed but didn’t mean to? - QFT

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Items deleted through dispute should be deleted from all credit reports

Dear Experian, I disputed items on my credit report to Experian, and they were deleted. Will the items be deleted from my reports with the other two agencies as well? - JSU

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A dispute results in an account being “updated” and “closed”

Dear Experian, I disputed an account on my credit report. It came back "updated," and on the status shows “closed.” Then it states, "account closed by grantor’s request." Does this mean it is closed and I don't have to pay that account, or does it mean something else? - BXK

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