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Credit Report: How to get the CR agencies to actually fix errors?
Posted on July 16th, 2010 3 comments
kao asked:
I have a credit monitoring subscription with true credit. I can see all 3 agencies all the time. I can update the reports every 24 hours. I know their addresses. I know how to report inaccuracies.The problem is: the person on the other end?? What is it about data entry at these agencies just not getting it right? I send info to them which needs correcting and they either input information incorrectly, have wrong spelling, omissions, additions…it just seems that they can never get the corrections right. And all 3 agencies never have the same info. I find Trans Union to be the best, and easiest to deal with, but WHY do Experian and Equifax even exist? They don’t ever seem to have it together.
Anyone have an intelligent approach that might get their attention to focus on the detail that I am trying to fix? Is there ever going to be any chance at consistency? Thanks.
TinaCredit Additions, Addresses, Consistency, Cr, Credit Monitoring, Credit Report, Data Entry, Equifax, Focus, Inaccuracies, Intelligent Approach, Trans Union, True Credit3 responses to “Credit Report: How to get the CR agencies to actually fix errors?”
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No chance.
This is where “cheap labor” hurts us all !
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nhikhe July 21st, 2010 at 17:18
You might want to find out which federal agency regulates them, I think it is the FTC but not sure. Once found out, you bring the issue to the agency. It is a long shot but if a few of us bring up the issue, the agency will sure look into it.
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bdancer222 July 22nd, 2010 at 05:37
Creditors report info to the credit bureaus. When you dispute, the credit bureau contacts the creditor for verification. If the creditor verifies, the info stays.
Other sources for info are public records. It is even harder to correct a error from these. If the public record item mispelled your name, it will stay that way.
So what kinds of things are you trying to correct? Some things that really don’t impact on your score just won’t get corrected — like address errors.
You will never have all three credit bureaus to have the same info. Some creditors only report to one.
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Lori H July 18th, 2010 at 13:58