Experian says they have already investigated and verified its accuracy

Experian says:"We have already investigated this information and credit grantor has verified its accuracy. Please refer to the personal credit report you received for the name, phone number, and address of the credit grantor who verified this information. If you still believe the item is inaccurate, then we can add a statement of continued dispute to your personal credit report at your request, or you may wish to contact the credit grantor directly to resolve your issue. If you have additional relevant info...." I do have the personal credit report I received and under "Credit Items" It gives me the name and address of AFNI, INC. (the collection agency) "No phone available" and "Original creditor: CHARTER COMMUNICATIONS" So it seems I should send out another registered dispute and specifically insist on this Signature and legal chain of ownership you made mention of so that I may present Experian with additional relevant info. Just who do I send this request to, AFNI or CHARTER? It also stands to reason that if AFNI had a legal claim they would have responded to the 1st registered letter. What do I do now?

--------------------------------

send the dispute to to charter and the CA

Experian says they have already investigated and verified its accuracy

Thanks in advance.In a phone conversation with Bank of America I was shocked to learn that some collection agency has me owing someone $365.00 from 2005 that has not been paid.Otherwise I am blemish free, but this black mark has by score at 676. I know my score was 720 in Jan 08.I feel sure this is the work of my ex-wife.How do I pay the bill & get rid of black mark?
----------------
dispute it as not yours
if they find it is
legally validate the debt
if they can do that
negotiate to pay if they will remove it you need to know if they have your signature and legal chain of ownership
--------------
Experian says:"We have already investigated this information and credit grantor has verified its accuracy. Please refer to the personal credit report you received for the name, phone number, and address of the credit grantor who verified this information. If you still believe the item is inaccurate, then we can add a statement of continued dispute to your personal credit report at your request, or you may wish to contact the credit grantor directly to resolve your issue. If you have additional relevant info...." I do have the personal credit report I received and under "Credit Items" It gives me the name and address of AFNI, INC. (the collection agency) "No phone available" and "Original creditor: CHARTER COMMUNICATIONS" So it seems I should send out another registered dispute and specifically insist on this Signature and legal chain of ownership you made mention of so that I may present Experian with additional relevant info. Just who do I send this request to, AFNI or CHARTER? It also stands to reason that if AFNI had a legal claim they would have responded to the 1st registered letter. What do I do now?
------------------------

my 3 in 1 credit report has accounts I do not recognize.

I just got my 3-in-1 Credit Reports and Scores. I don't recognize half of the items on each one! Will it lower my Credit Score if I Dispute multiple items on my Credit Reports? Thank you,
--------------------
no i would dispute anything that is not familiar

I was denied a mortgage because of a past collection

I recently got my credit report and saw derogatory information on it. I contacted the collection agencies (4) to be exact. These were not for substancial amounts of money but they were for accounts from a couple of years ago. I agreed to settle these debts and I am doing so as I write this. I am wondering if it is possible for me to get these collection accounts and derogatory statements off of my credit report in a timely fashion? Is there any type of letters that I can write (if you know of samples that would be great) and to who? I recently applied for a mortgage and because of these derogatorys I was denied. Any help will be greatly appreciated. I heard something about a deletion letter but what to write and to who I dont know. Also I had a bankruptcy 8 years ago and I asked verbally to the credit bueraus to have this removed but they gave the usual answer to me. Not for 10 years.I will anxiously await your email
-----------------------------
you should negotiate with the collection before you pay them. Ask them what you asked me. Can I get them removed. Some will some will not. NON will after you pay them. BUT if you pay them and wait a year or so, then you might dispute them and they might fall off. you just dispute the bk with the dispute form and hope
10 years is right on bk's in most states.
--------------------------------
How can I go about getting these Derogatorys removed along with the Bankrupcty? What type of letter should I write and whom should I send it to? Also do you know where I can obtain a sample copy of the letter I need to write?
----------------------------------
you cant just magically have these removed
you have to work and negotiate
i sent you a link with a good negotiation approach
you send it to bad accounts on your credit
there is no perfect answer or letter
re establish new good credit
-------------

I have 22 inquiries on my report. How do I remove them

how can i get the inquiries off my credit report?
for each one aint that about 6 or 7 points for each one?
--------------------
not if the inquiry was for the same thing
if you inquired about the same loan 5 times. that would be about 6 points for all 5
any inquiries over one year old do not really count at all
so can you give more info as too how many and how old and what for.
-------------------------
i have 22 inquiries from 10/31/06 to 6/5/08
i have my car purchase on there and a few credit cards i applied for but rest i dont know what they are.
thanks
-----------------------
so you have your report from the bureaus
and you do not know what thise inquiries areand the addresses on thew inquiries are not yours
http://www.oskie.com.credit-dispute.htm/
say not yours
someone is defrauding me they are your addresses you just dont know or care or remember
say the same thing and hope you get lucky most bureaus look down on inquiry disoputes
so not your address really works best
even if you moved
------------------------
ok,i have 1 more question,i have things on report from like 2001 some good ,some bad .should i try to have them removed?
--------------------
dispute them as not YOURS
hope and pray
many older acounts get less attention
-----------------------

trying to get an address, even a phone number where someone will answer

I have tried, since May, 2008, to get any response from the collection agency ALLIANCEONE INC. I have been trying to get an address, even a phone number where someone will answer, return my call or even send a response letter, anything…to be able to pay off a collection debt that was discovered when I received a copy of my credit report(s). I discovered a phone number/address for ALLIANCEONE INC., in Vancouver, WA, at 1200 Franklin. This turned out to be the city’s Court House. We’ve tried for months to get any response, find a phone number where someone will answer or even return my call, or get a current address of where to send the pay off for a credit report debt. Can you help? I live in Longview, WA, and need a local (NW states) address and phone number for ALLIANCEONE INC.
---------------------------
heck
dispute that account with the three bureaus
check NOT MY ACCOUNT then you will get a response
OR
better yet it will fall off

validation letter and have not heard from the companies at all

I have contacted you in the past in regards to my credit. I did a validation letter and have not heard from the companies at all. I am now doing my Debt Validation Follow up. Once this is done I contact the BBB, State consumer affairs, state attorney general, take them to court.
How long before I do those things and do I contact every one of them and how do I still get this off my credit report when this is all done? I have no problem paying them but I want better credit also and they are killing me with the negative parts of this.
---------------------------
Have you disputed these accounts also
If they do not answer. Usually you can dispute them with the bureaus and they will fall right off.
------------------------
I have not disputed these yet. Do I send them all the information I have sent the companies? Also the link you sent didn't work.
Thank you again for all your help. I am sure I will be back for future issues. But you have been a great help
----------------------
www.oskie.com/credit-dispute.htm
Just read instructions and check no mine. dispute with the bureaus only for now.
--------------------
Okay will be doing that today then.
If these come back from BBB with a response then what is my next process. I have been on top of this and want to keep the process going. Thanks again you have been a lot of help.
--------------------------
from the bureaus
http://www.oskie.com/transunion.htm
the addresses are on the form not the bbb see what happens
then maybe file a complaint

Bk discharged in January 2001 but still on my credit report 7 years later

I filed BK (chapt 7) and it was discharged in January 2001. Is there any reason why it would still be on my credit report? I thought these fell off after 7 years. And if I am incorrect with my assumption is there anything that I can do to get those credit card debits that say “included in bankruptcy” off of my report?
------------------------------
I am pretty sure bankruptcy shows for 10 years.
Matter of law.
The accounts included in BK should be off.
Dispute them all and say reported incorrectly. BK discharged Jan 01
Include a copy of your discharge papers.
----------------------------
Instant Free Credit Score Fix 1 problem online for free today. I use this one. $29.95 a month or cancel in less than 30 days and it's free.
Get legal credit repair Credit lawyers help dispute and get better credit.
Credit Cards for bad credit or no credit.
Debt Consultation for battling large debt loads, divorce or job loss.
-----------------------

New collections found on my Equifax Score Watch report and score

I'm coming to you b/c you helped me once before and I was able to get 3 medical collections off my account and of course my credit score has been building ever since. 2 years and I'm very proud of my score. I watch my credit report monthly and even sign up for alerts and this morning one just came in about a collections. It's with Oxford Collection Agency. I don't know anything about this and never rec'v anything from them. It doesn't show what creditor they are assoc. with and if they are assoc. with a creditor, it has to be a very aged acct b/c everything past my college years are current.
1. How do I find out what old credit account this is w/o getting balled up in their fraud attempts to collect?
2. Isn't there something I can doing in regards to the statutes of time or something like that?
3. It's obvious they don't have my home phone number or house address so if I send them a letter I surely don't want to help them harrass me; should I go through an attorney? I just want to make sure my credit remain clean and definitely not be affected by old debt.
----------------
I would dispute the account with the bureaus as "not mine" remove from my report.
then if the account comes back verified.
use the address and account information to validate the debt legally.
then follow up validation
You do not know how many years it has been on the account until you dispute it and get moe information.
-----------
On my credit watch with Equifax I can do an online dispute, would you say this is wise or it may get hairy as well; I don't know what company this is with. It has to be ancient! I just hate this unknown collections has come up on my report.
--------------
you want to dispute with whatever bureau the account is on
sometimes the account is on all three
but if you wish to dispute with equifax online. by all means do it. but make sure it is not on the other bureaus also i like to mail disputes myself
---------------
Actually b/c this collections places something new on my report, I was able to pull a new report and see more details. It's showing something w/ Lab corp. a medical billing issue. Which is what I'm experienced w/ handling... thanks to you! Anyway, I contact Lab corp this morning and they are not showing any bills for me; then I noticed the collections said 1st report was Jan '04 and passed over in 2006. At any rate she said I will need to find an acct. number from the agency so she can do some research, but the amt. the debt is $98 sounds familiar to me but was paid so I'm contacting Bank of america to try and get a copy of payment. I think I'm going to be fine. Again, I have not rec'v any bill notices, which is strange for a collections to pop up w/o a letter. right?
-------------
depends on wheather or not you have the same address as 2004 i guess.
-------------
ok, this is really getting weird! I have spoken w/ Lab Corp 3 times today and also Oxford, neither show me but the oddest thing and I know an error on my part was when I called Oxford they couldn't locate anything under my name; then they asked for my ss#; he said he didn't see anything under that either; asked for my number I told him I don't like to give this out, he said it's his search method; then said he didn't see anything and maybe they had sold my acct to someone; when I called Lab corp afterwards they asked for my last 4 digits, which after I thought about it is the norm; Could I have just given Oxford something to validate an old bill? I told Labcorp if I owe something I had no problem paying, I just have not rec'v any information from them or credit agency. Do you know if I can have this removed, if I did in fact owed them but the address they had on file was incorrect and I never rec'v it? Thanks again for your help! by the way....I have equifax investigating now.
---------------
just dispute the bill at all three bureaus
they cant find it
neither can the bureaus
it is that simple
-------------------------
Instant Free Credit Score Fix 1 problem online for free today. I use this one. $29.95 a month or cancel in less than 30 days and it's free.
Get legal credit repair Credit lawyers help dispute and get better credit.
Credit Cards for bad credit or no credit.
Debt Consultation for battling large debt loads, divorce or job loss.
---------------------

Denied credit I did not sign for

Yes, We received a letter from Commerce Bank . Saying they denied a loan application which we know nothing about
We bought a Motor Home. But we have never had any problems with our credit. I would like to know what is going on with our credit.
-------------------------------
i do not remeber a previous conversation for some reason
but i would get my reports for sure and get the scores
you can do www.annualcreditreport.com and then upgrade for scores i think 5 bucks for each of 3 bureaus
or go here and get all 3 reports and cancel for free. http://www.credit.com/landing_pages/equifax_whos_viewing/index.jsp
---------------------------
and
if you find problems, inquiries that are not yours and the like
dispute them with this form
and place a fraud alert with this form

Validate dispute and raise my credit score

I am writing to you again. Still trying and persevering to improve credit score. I went from 452 to 471 in one week, and then Capital One account from 1999 and one from 2000 hit me with a report to credit bureau. So I called the credit bureau and they told me 7 to 10 years it can stay on there. So then I called Cap One and she took my social and said she had nothing come up when she punched in my number. What do you think I should do?? Should I send off that letter of validation? It was like I got punched when I saw my score drop after I watched it go up a little bit. The Cap One accounts are charge offs, derogatory, closed accounts that won't go away. They had limits of 200 and 500 and now have balances of 1440 and 2200......Please help
---------------------------------
i would dispute the accounts first through the three credit bureaus as not yours or an error
then maybe do the validate thing if cap one can't find the account under your social
a dispute should garner the same results I would think or assume.
----------------------------------
Thanks Bo!!! I already have ongoing dispute going, so I guess when that one concludes, I will dispute the two Cao One accounts and send validate letter after that dispute is over. I'm not giving up!!!
-------------------------------
How ya doin? Just wanted to ask question - I put in dispute for the two Capital One cards and now I got a credit alert on my credit report saying that Cap One has changed date from N/A to N/A. Do you know what that means? Thanks
--------------------------------------
that means they should take that dang thing off
combat this with validation
then valdiate follow up
then call state attorney general
-------------------------
Well, I disputed with credit bureau and it comes back as REMAINS. Verified to be accurate. Yet when I call them, no record. So now I will send the letter.....Will keep you posted
---------------------------
vaidate and take them to court
-------------------------
Just wanted to let you know I am up 100 points since I started a month ago. I had the Cap One accounts removed from Trans Union, and I am disputing the age with the other two bureaus. If one credit bureau takes them off, do you think the others will follow? Thanks for all your help.
-----------------------------
they should
way to go
thanks for telling me

Credit help with debt paid letter

Once I have received a letter from the creditor stating the dept was paid and requesting removal, what do I do with it? The creditor was not a collection agency.
----------------------
copy it
then certify mailto the 3 bureaus
use this dispute form and instructions and addresses
then check you credit report for a credit score increase

3-in-1 Credit Report

My fiancee and I recently pulled up his 3-in-1 credit report and noticed discrepancies on all bureau but mostly on the Experian Credit Bureau. We called all agencies listed on the report and they verified that although it was the same name the accounts had different social numbers and mailing addresses. When I spoke to a representative of one of the listed agencies, he stated that Experian goes first by name, then address and then social security number. Is that true? If so, how is that fair to the millions of people that share the same name? Also I read on your blog that you should write about 4 accts at a time, well we are dealing with about 11!!!! 11 mistakes from Experian, all already confirmed by the collection agencies, which also stated it wasn't rare of Experian to mix identities up. Also when you state on your blog to send a copy of the credit report, is it the whole 12 pages or just the part in concern (may sound like a silly question but want to do this right), and the credit report shows each item with each credit bureau right next to each other. If I send a dispute item to Experian, should I covered the report from TransUnion and Equifax about such item, or doesn't really matter? Thank you so much!!!!!
---------------------------------------
is there anyone that I should write to regarding Experian.
I mean, I have 2 other people's security numbers, their address, phone, work place, spouse name, etc.
That makes me believe that my fiancee's info is in other people's report as well and may be use wrongly as well. Those are very delicate mistakes and unfair to those who have decent credit and are getting such credit denied. Is there such a thing as a company we could write to about Experian and complaint about their services.
I mean are the credit bureaus GOD? Is this the end of the road...writting them letter and hopefully updating our information at their convenient time, or can we write to CRA?
------------------------------
you can complain to your state consumer affairs division, attorney general, bbb, chamber of commerce and even file small claims in the proper area for such claims.
Plus you can dispute and validate to lay documanted groundwork for your claims.
---------------------------------
Sorry got a little lost on the "plus you can dispute and validate to lay documented groundwork for your claims", can you ellaborate a little more for me?
------------------------------
you should dispute with the bureaus and the collections agencies
you should validate the debt with the collection agencies and follow up if they do not fully comply
if they miss represent themselves you can complain to the state attorney or consumer affairs, bbb, chamber, or file siut in small claims or more.

Dispute bad credit

i once had a company dispute my bad credit. they told me that all bad credit has to go through a series of laws before it can be posted on my credit report and that the process is so long that the majority of companies don't do it.
and that was how he was removing my bad credit by asking if it was reported legally and if they responded yes he would ask for proof and eventually it would get removed.
my question is how do i get that program or how do i go about doing it that way? please help
-------------------------
use the debt validation letters on my website
http://www.oskie.com/free-credit-help-sample-form-letter-letters.htm
- Show quoted text -

debt validation follow up letter and no respones within 30 days

thank you for all your help so far.
It has been almost a month since I sent my validation letters.
2 of them came back from different co's. with a letter that stated they sent me info on the collection on 04-07-07 and that I had 30 days to comply.
Going further, they stated that since i did not validate it, i assumed the debt. Yet they sent me no info that I asked for!
What should I do. (By the way those 2 co. are the same, using 2 different names for the same amount of money) What should I do for this as well?
And finally the 3rd co. sent me a one sheet letter that said VALIDATION LETTER, with my acct # and last transaction date and the original creditor name but none of the specific info asked for on your Validation letter.
What should i do here?
Maybe send them follow up letters? Any help will be appreciated!
----------------------------
dispute with bureaus certifed mail on more time
not yours, error on credit report
then call and file a complaint
-------------------------------
i have sent the second set of letters but have yet to hear from them.
should i contact all the credit bureaus and ask them to take it off my file (and send them all documents i have), or should i go to the attorney general?
-------------------------------
this should prompt them to provide said docs.
but sure ad that in.
then complain to attorney general here is another set of doc which might help you
http://groups.yahoo.com/group/credit-repair/files/Letters also a crazy get the collection agency group

What happens to collections when you pay original creditor

Thank you first for taking the time to read and answer my questions.
I sent the dispute letter to Audit and Adjustment - they sent me a letter back that says they marked the account as disputed and will be reported to the national credit reporting agencies.
Mind you I did not change your dispute letter at all. Also I was told that if I could get valley medical center to cash a check - that that means I am working with them and they are working with me - cutting out the collector per say is that true????
I did not a get a validation of debt from audit and adjustment. I don't know what to do now...And as far as I can tell the bureaus aren't really checking into things - because I have paid off a bunch of stuff and it still hasn't changed my report any. If I missed something in your writing would you let me know where to go read again please.
---------------------------------------
prompt bureaus to work for you with the dispute form on those paid bills.
say not yours or error audit and adjustment?
is that a collection agency?
if so validate the debt not just dispute? not sure what happened here
---------------------------------
Valley medical did cash my check.
-----------------------------
you should be able to rid yourself of the collections thenask valley medical to helpreally you should have hasked them before you paidButthey may still help you

My husband and I have past due on our credit reports

My husband and I have a lot of items that are past due on our credit reports and we are finally going to fix our credit. Do you recommend just consolidating everything into one monthly bill or take one bill at a time and negotiate one at a time? Thank you
--------------------------
thats a case by case study
i would venture a guess
legally validate each debt first
then negotiate each debt, tell them you make one in full payment not a payment schedule
if you cannot find a creditor dispute the accounts
then consolidate all settled and non settled debts

My credit score is a 452. How do I raise it?

I have credit score of 452 and I am determined to raise it. I am a little overwhelmed, but my question to you is where should I begin first. Should I start with the most recent bad creditors and work my way toward the older ones. I have some that should be removed this year. Should I let them go? I already went to all three credit reporting places on line and started disputes with those who had wrong info. OK. Thanks for your help.
---------------------------
i would try hard as hadees to work on anything bad from today back two years dispute anything on your credit report older than that and pray. get new reported and rated credit do what i did to fix my credit report with and how i negotiated a bp oil charge card charge off, if you have anything like thatjust charge your gas for a year to stay out o more trouble. and hope nothing else bad happens to you in he meantime.
----------------------------
I am getting ready to make my calls. I am going to tell them I would like to settle my account and would they please totally remove it from my credit report or to report as paid in full as agreed. If they agree, I will ask for something in writing say they agree to that? Should I ask them to settle for a lesser amount? Or is that pushing my luck? I also have a car loan and two credit cards that I keep current on, so that should take care of my 3 open credit accounts in good standing. Had them for a little over a year.
------------------------------------------
I called my first creditor. (Comcast). I asked if they would send me something in writing and he said that is a LEGAL issue and they don't do that. He said it was illegal for them to remove it. Best he could do would be marked paid in full after I pay it, so I said I would. Is the LEGAL part of his answer true??
------------------------
in truth yes
but they could change it and say it was their mistake, if they were asked, which they never would be asked. So legally they can change. most utilities do not negotiate. pay in full or don't. they reall do not care, because next time you go to get cable and they check your credit you are stuck unless you pay. the best ones to help you are collections and charged off credit cards which you reopen with full payment and a extra downpayment to show trust. in the end if you pay the bill you have one less unpaid bill in the past due column
AND
you have reduced your balance to high credit limit ratio. your credit may take a instant hit but it will quickly recover with new good credit that is at least 12 months on the bureaus books

My credit got combined with my brothers credit

My credit is combined with my brothers credit, who of course is an idiot and has really bad credit. Whenever I apply for a loan or CC, or even try to open a new bank account, I get rejected. I finally went to myFico.com and got a credit report, found out our credit is combined. Do you have any suggestions on how to fix this? Do I have to contact all 3 credit companies? The idiots at myFico.com could not give me my Experian credit report number so I cannot talk to anyone at Experian over the phone because if I don't enter a credit report number I just get hung up on. Do I need to buy all 3 reports, because freecreditreport.com does not work for me. How long does it usually take for them to fix it? I can only proove to them that out of the 12 accounts on the report 2 are mine, how can I proove to them the rest are not mine? Even though I entered my DOB and SSN for the credit report, it showed my brothers full name and all his crap. Any help would be greatly appreciated, I have to get a loan for next semester and if I can't, I'll be screwed. Thanks!
----------------------
what you have to do no matter is this

make a copy of your report circle the errant accounts on the copy

then copy that copy three times

use this dispute form (fill out only the personal info part and write in that your report has been combined) then include, copy of your drivers license, utilities bill, ss card, mail to all the bureaus certified delivery mail

wait thirty days

True Credit score went dowing after paying bills

True Credit continues to show the same scores and the same trending analysis of my "credit available over time" and my "total debt over time" using the same time frame (Sept 06 to July 07). .... I had understood that trending (and credit scores) are recalculated almost daily to give a current reading.
In July 07, I found that my scores had dropped precipitously - probably because I had less than 50% line of credit available for a time. That was the only change on my report from an earlier much better analysis. When I read your advice and immediately paid on my cards, and decreased my credit use to less than 50% . I also received an increase in the lines of credit that I have. Although these should have affected my analysis, the reports seem stuck and still list the time frame as Sept 06 to July 07...
Would you let me know why this is and if there is anything I can do to get a more current analysis?
--------------------------
first i do not know your score before or after
i would think you do not have much credit or, like less than three plus rated lines of credit
and or some of the credit is local finance company high interest loans
and or you have some new or less than one year on reported to a bureau credit
and or one of your lines of credit of credit show your balance as your high credit limit.
and or some type of collection or charge off is on your credit
and or you have some inquiries that are new or piled up.

past that
i am of not much help
---------------------
I compare the report I have with scores of 701, 688, 695
and compare it to the next report with scores of 657, 672 and 681, and I don't see any change except that my available credit was less than 50% and became an issue last July.
That was paid down to at least 50% credit available on my lines of credit and an increase in my credit lines, too. I have no new late payments or charge offs/collections in the past 3 years.
My question is : Why does the trending analysis provided by Truecredit continue to show the same time frame of Sept 06 to July 07? Shouldn't these dates change over the course of 8 months? shouldn't the dates include dates in 2008? The time frame is frozen on the Sept 06 to July 07 dates, and my scores are frozen on the scores of July 07 too, despite much improved credit lines and available credit. Is it normal for scores to remain exactly the same for 8 months, despite certain changes? I just traded in my car and bought a new Prius, too, which does appear on the report...although I see it notes a credit report date of 7/30/07. I don't get it...Thank you so much for your help.
---------
i guess i would dispute anything not reported up to date
circle everything copies of your reports
say update my records
USE THE MAIL