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03-24-2007, 12:20 AM
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#1 | | Administrator
Join Date: May 2006 Location: Okinawa
Posts: 7,217
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This is a new one on me....
I got a credit denial based on CSC Credit Services: http://www.csc.com/solutions/creditservices/
I've never heard of these people, but apparently they are affiliated with Equifax.
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03-24-2007, 02:27 AM
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#2 | | Administrator
Join Date: May 2006
Posts: 2,760
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CSC is a subsidiary of Equifax.
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The information and materials in this document are provided for general information purposes only and are not intended to constitute legal, accounting or tax advice or opinions on any specific matters. Laws and regulations change frequently and their application can vary widely based upon the specific facts and circumstances involved. You are responsible for the applicability and accuracy of Information as it relates to your specific situation. | |
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03-24-2007, 07:37 AM
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#4 | | If You Do Not Like It, Kiss My...
Join Date: Nov 2004
Posts: 5,754
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Hey now, I have to deal with those idiots.  . Wonder if they took over the servicing in your area Roy?
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03-24-2007, 08:27 AM
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#5 | | HONORED GUEST
Join Date: Jul 2006 Location: Austin-area
Posts: 2,980
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I actually liked them...until they moved to Dallas from Houston. Their staff in the legal department got stuff taken care of very quickly for me and I could always count on Donna just with a quick email.
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Would you rather us tell you what WILL happen or would you rather have rah-rah bull-droppings from someplace else? | |
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03-24-2007, 11:35 AM
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#6 | | Elite Member
Join Date: Nov 2004 Location: The Republic of Texas
Posts: 2,928
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They were the easiest for me to deal with also. Last time I worked with them I had to go through the El Paso office. Not sure if that address is still valid.
You can find out easily if CSC has taken over your area. Enter your zip code at this site and see if they refer you to CSC. https://www.econsumer.equifax.com/co...online_dispute
I had a friend who would send a dispute by mail to Equifax on purpose. By the time they forwarded it to CSC it ate up several days of the investigation period. Not sure of that will still work if they do everything by computers now.
Last edited by Pale Rider; 03-24-2007 at 11:37 AM.
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03-24-2007, 11:50 AM
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#7 | | Elite Member
Join Date: Jul 2006
Posts: 438
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CSC is a complete pain in the @ss. They really do "own" the data on consumers in some parts of the country instead of EQ and conduct all of the reinvestigations.
I can almost never get through to anyone on the phone and they don't work on Fridays at all. When a miracle happens and I actually get through to someone, they refuse to help me - telling me a special department will call me back within 48 hours (and do you think I actually get a call back?)
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03-24-2007, 01:15 PM
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#8 | | Administrator
Join Date: May 2006 Location: Okinawa
Posts: 7,217
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Originally Posted by jlynn  Hey now, I have to deal with those idiots. . Wonder if they took over the servicing in your area Roy? | I don't know, but I have never had anyone to use them as credit verification ever...either way it goes they are still are reporting agency and I am going to ask for a copy of their file on me.
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03-24-2007, 02:54 PM
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#9 | | Elite Member
Join Date: Nov 2004 Location: The Republic of Texas
Posts: 2,928
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Roy,
Do me/us a favor. When you get your report from CSC check to see if there are any notations about Equifax on it. Especially in the inquiry section that will show a notation about Equifax. Their company reports show that Equifax maintains the database where your report comes from. CSC has no business offices in Atlanta where the database exists.
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03-24-2007, 03:04 PM
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#10 | | Administrator
Join Date: May 2006 Location: Okinawa
Posts: 7,217
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Originally Posted by Pale Rider Roy,
Do me/us a favor. When you get your report from CSC check to see if there are any notations about Equifax on it. Especially in the inquiry section that will show a notation about Equifax. Their company reports show that Equifax maintains the database where your report comes from. CSC has no business offices in Atlanta where the database exists. | Will do.
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03-24-2007, 03:21 PM
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#11 | | Administrator
Join Date: Nov 2004 Location: Greater DC area
Posts: 7,696
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Don't forget--the report should be free since you were turned down for credit.
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The answer is 42!!
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03-24-2007, 03:26 PM
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#12 | | Administrator
Join Date: May 2006 Location: Okinawa
Posts: 7,217
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Originally Posted by Hedwig Don't forget--the report should be free since you were turned down for credit. | You didn't think I was going to pay for it, did you?
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05-17-2007, 12:47 PM
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#13 | | Administrator
Join Date: May 2006 Location: Okinawa
Posts: 7,217
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I requested my credit file from these folks and they have not responded.
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05-17-2007, 01:18 PM
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#14 | | Elite Member
Join Date: Oct 2006
Posts: 567
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This is the address I always use for disputes:
CSC Credit Services
Box 619054
Dallas, TX 75261
They tend to be slower to respond than the others.
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05-17-2007, 01:21 PM
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#15 | | Administrator
Join Date: May 2006 Location: Okinawa
Posts: 7,217
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Originally Posted by neil5623 This is the address I always use for disputes:
CSC Credit Services
Box 619054
Dallas, TX 75261
They tend to be slower to respond than the others. | I used the address that came in the adverse letter which is:
CSC Credit Services
P.O. Box 981221
El Paso, TX 79998
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05-17-2007, 01:22 PM
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#16 | | Administrator
Join Date: May 2006 Location: Okinawa
Posts: 7,217
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BTW....a little slower? I requested my file over a month ago.
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05-17-2007, 02:41 PM
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#17 | | HONORED GUEST
Join Date: Jun 2006 Location: West-By-God-Virginia
Posts: 6,725
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If they are getting their data from EQ, does your EQ file show a hard inquiry from them? If so, what is the PP? Just curious...
__________________ Let's Go Mountaineers!! Let's Go Drink Some Beers!! If something seems too good to be true, it is best to shoot it just in case... Nothing I post on this forum should be construed as legal advice. | |
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05-17-2007, 02:53 PM
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#18 | | Administrator
Join Date: May 2006 Location: Okinawa
Posts: 7,217
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Originally Posted by hannah If they are getting their data from EQ, does your EQ file show a hard inquiry from them? If so, what is the PP? Just curious... | Ther is no inquiry from CSC on EQ and what do you mean "What is the PP?"
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05-17-2007, 03:06 PM
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#19 | | HONORED GUEST
Join Date: Jun 2006 Location: West-By-God-Virginia
Posts: 6,725
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Originally Posted by roybean Ther is no inquiry from CSC on EQ and what do you mean "What is the PP?" | If the lender pulled CSC, where did CSC get their info from? EQ? There should at least be a soft on your EQ file or am I overlooking or overthinking this?
__________________ Let's Go Mountaineers!! Let's Go Drink Some Beers!! If something seems too good to be true, it is best to shoot it just in case... Nothing I post on this forum should be construed as legal advice. | |
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05-17-2007, 03:13 PM
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#20 | | Administrator
Join Date: May 2006 Location: Okinawa
Posts: 7,217
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Originally Posted by hannah If the lender pulled CSC, where did CSC get their info from? EQ? There should at least be a soft on your EQ file or am I overlooking or overthinking this? | There is no inquiry. I see where EQ pulled last month, but that has to be because I ordered my credit reports last month. Nothing from CSC which is odd and I sent a copy of the adverse letter to CSC with my request for my file. I agree with you that there should be some indication that CSC looked, pullled, and or has a credit file on me.
I don't even see an inquiry from TX.
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05-17-2007, 03:36 PM
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#21 | | Elite Member
Join Date: Oct 2006
Posts: 567
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Originally Posted by roybean I used the address that came in the adverse letter which is:
CSC Credit Services
P.O. Box 981221
El Paso, TX 79998 | I have used that one also, or maybe it was PO Box 981222, anyway when I finally received my report, it said to address all future correspondence to the Dallas address. Either one should work.
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05-17-2007, 04:10 PM
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#22 | | If You Do Not Like It, Kiss My...
Join Date: Nov 2004
Posts: 5,754
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In the days of the real Creditwatch - I couldn't get my EQ file, as I am a CSC flunkie. But I did find it rather easy to make them see my way when it came to errors. | |
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05-17-2007, 07:16 PM
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#23 | | Elite Member
Join Date: Nov 2004 Location: The Republic of Texas
Posts: 2,928
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Originally Posted by hannah If the lender pulled CSC, where did CSC get their info from? EQ? There should at least be a soft on your EQ file or am I overlooking or overthinking this? | Yes CSC gets the info from EQ. EQ maintains the files and database. Actually, the disclosure comes directly from EQ, even if the consumer or lender goes thru CSC. Check the inquiries when you request your file from CSC and you will see a notation from EQ stating they issued you a copy. CSC has no database to maintain.
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05-18-2007, 06:07 PM
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#24 | | Junior Member
Join Date: Apr 2007 Location: Is this Kansas?
Posts: 29
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If you want to speak to one of their idiots, I mean reps, the phone number is 281-878-1900. Do not make a selection when asked, just wait on the line and you will get a real idiot, I mean, person. As you can tell, I am not a fan of CSC at all. They still haven't sent me the results of my dispute. It's been a week since I called and they had already completed the investigation about a week prior to me calling. IDIOTS!!
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06-08-2007, 05:00 PM
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#25 | | Administrator
Join Date: May 2006 Location: Okinawa
Posts: 7,217
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Ok, I got the green card back from my second request for my credit report and they still have not sent my credit file to me.
Why won't they un-ass my report????
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