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If you have any problems with the registration process or your account login, please contact us. | Advanced Credit Repair - Dealing with Collection Agencies Discuss Doing my own credit repair, am i doing it correctly? in the CREDIT AND LEGAL ISSUES forums; Hi, to everyone
I recently started on doing my own credit repair and thought that i mite post what did to see if i am doing it correctly.
I reiceved ... 
04-18-2007, 10:48 PM
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#1 | | New Member
Join Date: Apr 2007
Posts: 10
Casino Cash: $300550
|  Doing my own credit repair, am i doing it correctly?
Hi, to everyone
I recently started on doing my own credit repair and thought that i mite post what did to see if i am doing it correctly.
I reiceved a Credit report from my lender which was provided by Kroll Factual DATA,
I reviewed the credit report and found several errors on it, including some collection accounts that i had no knowledge of since i had paid those accounts on time with my health insurance which i have reicept of.
So i went ahead and typed up several letters to all three credit bureaus, Disputing the items, giving them just enough information, but not a whole story.
I attached my Drivers License, a Utility Bill and my Kroll Factual Data Report.
I sent those letters via Certified Mail.
About 7 days ago, i reiceved a letter from equifax telling me they couldnt locate my credit file asking me to purchase one from them.
Then about 8 days ago i got a letter from experian, telling me the same thing that i should purchase a report from them.
I am confused and one of my questions is the following:
Can i Dispute items on my Credit with a copy of my Kroll Factual DATA Tri-merge Credit Report which was pulled less than 12 days ago and what should i do if they send me this stuff asking me to buy their credit reports?
Thanks for any help/tips. | 
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04-18-2007, 11:08 PM
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#2 | | Administrator
Join Date: May 2006
Posts: 2,294
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| The three CRA will not investigate the data pulled from a tri-merge. You can use your rights under FACTA to get your reports at no cost.
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It is better to keep your mouth shut and appear stupid than to open it and remove all doubt. - Mark Twain
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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04-18-2007, 11:17 PM
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#3 | | New Member
Join Date: Apr 2007
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| How do i request my Credit Report from the CRA's? I went online but i wont give me access | |
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04-18-2007, 11:58 PM
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#4 | | Administrator
Join Date: May 2006
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| Quote:
Originally Posted by felipe2121  How do i request my Credit Report from the CRA's? I went online but i wont give me access | https://www.annualcreditreport.com/cra/index.jsp
__________________
It is better to keep your mouth shut and appear stupid than to open it and remove all doubt. - Mark Twain
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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04-19-2007, 09:03 AM
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#5 | | If You Do Not Like It, Kiss My...
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| One note - if you get your report via your free report at the link Enigma provided, they have 45 days (as opposed to 30) to complete any investigations. Some states allow you one free report per year, which I don't believe fall under the FACTA 45 day guidelines.
On your Kroll report, is there a report number for your Experian report?
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How come "phonetically" is spelt with a "ph"? | |
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04-19-2007, 10:22 AM
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#6 | | Elite Member
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| Just go through the automated phone menu and say you were denied credit....report will be free. | |
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04-19-2007, 06:34 PM
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#7 | | New Member
Join Date: Apr 2007
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| Were do i call to request my reports?
Thanks | |
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04-19-2007, 06:35 PM
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#8 | | New Member
Join Date: Apr 2007
Posts: 10
Casino Cash: $300550
| Quote:
Originally Posted by jlynn One note - if you get your report via your free report at the link Enigma provided, they have 45 days (as opposed to 30) to complete any investigations. Some states allow you one free report per year, which I don't believe fall under the FACTA 45 day guidelines.
On your Kroll report, is there a report number for your Experian report? |
No there is no report number for none of the cra's, only the fico score and all of the accounts. | |
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04-19-2007, 11:39 PM
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#9 | | Administrator
Join Date: May 2006
Posts: 2,294
Casino Cash: $963050
| TransUnion 1-800-916-8800
P.O. Box 1000
Chester, PA 19022 TransUnion
Experian (800) 392-1122
701 Experian Parkway
Allen, TX 75013 http://www.experian.com
Equifax (800) 997-2493
P.O. Box 740241
Atlanta, GA 30374 Equifax Personal Solutions: Credit Reports, Credit Scores, Protection Against Identity Theft
__________________
It is better to keep your mouth shut and appear stupid than to open it and remove all doubt. - Mark Twain
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.
Last edited by Enigma; 04-20-2007 at 12:04 AM..
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