All Activity

This stream auto-updates     

  1. Earlier
  2. Fax number for Disputes

    Hi James, sorry it took me so long to get back to you. I do not know of one, but you can use the dispute form online.
  3. Fax number for Disputes

    Is there an email for disputes you know of ?
  4. Fax number for Disputes

    This is the only one I know of 972-390-4908. Can't say for certain what department its in.
  5. Fax number for Disputes

    Ive been told that experian does not accept disputes via fax which i know is not true because ive disputed and has been succesful in disputing via fax to experian. That number has now been changed. Does anyone knows of the fax numbers or preferably the email address to the fraud dept to where i can send my disputes. Thank you in advance.
  6. Wrong balance for a tax lien paid off

    Hi Dean, Have you contacted Experian to correct the amount yet? Like you said, it seems fairly obvious, so you should have no problem disputing the incorrect information. They will have 30 days to review your dispute and get back to you. Getting the lien deleted from your credit report is another issue, however. Once the lien has been released it is supposed to drop off your credit report 7 years from the day it was filed. However, there are regulatory changes coming in July that will probably remove from your credit report anyway. If it were me and I had all of my paperwork handy, I'd probably initiate the dispute process just to be safe. During that process, you might as well ask for it to removed from you credit report early since it's likely fall off in July anyway. It can't hurt. Let me know how it goes.
  7. Hello, this is Dean, Back in 2014 i paid off my CA State tax lien. Experian is reporting as released in the amount of $21,727.0, when the actual amount was 2,172.0. Obviously, this is a typo error. I need this changed or deleted as soon as possible, as I am buying a vehicle in the next month or so. What is the best process to make this happen in that time frame? Appreciate any feedback, thanks. Dean
  8. Hi MinMac, This page should help:
  9. I need to speak with someone at the credit bureaus, but the automated phone systems don't appear to allow you to speak with a representative at either Experian or Equifax. I was able to get in touch with a human at TransUnion, but couldn't figure out which number or button to push to talk to a real person at the other two credit reporting agencies. Is there and option for speaking with an operator for them? If not, can someone please tell me which numbers I can use for those companies. Thanks.
  10. Is Credit Repair Legal

    Why Credit Repair Doesn’t Deserve its Bad Rap Bad credit can take hold of anyone’s financial life, whether due to financial missteps of the past or erroneous information reported by creditors. If you’ve had a late payment on a credit card, an account that found its way to a collection agency, or irresponsible use of credit accounts, your credit history shows a less-than-ideal picture of your financial character. Incorrect reporting of your accounts gives off the same negative vibe to entities that have access to your reports. Lenders, employers, and even insurance companies see these black marks on a credit report as a glaring red flag. While a spotted credit report isn’t a life sentence, it can seriously impede your ability to move ahead with what you want in life. A new mortgage, a financed car, or even your dream career can all be put on hold thanks to financial blunders or errors found in your credit history. Although there isn’t a magic button you can push to wipe the slate clean, there are tactics you can implement to get back on the path of financial well-being via your credit history. One of these strategies is professional credit repair. An Industry with a Reputation Credit repair completed by an individual or agency on your behalf is a perfectly legal practice that can yield powerful results for your current and future financial circumstances. Through a credit repair company, errors – inaccurate negative information – are disputed in an effort to have them removed permanently from your credit report. For those who have pesky, incorrect entries on their credit reports that never seem to go away, a credit repair company can be a financial lifesaver. Unfortunately, credit repair as an industry has gained a less-than-perfect reputation among the masses. The negative light shed on credit repair companies can be linked to two unfortunate issues: misunderstanding what credit repair companies are able to provide, and fraudsters representing themselves as credit repair companies just to make a quick buck. To avoid the bad actors in credit repair, it’s important to have realistic expectations of what credit repairs companies can offer. What Credit Repair Is Under the Fair Credit Reporting Act or FCRA, every consumer has a certain set of rights as it relates to their credit report. First, credit reports from the three major credit reporting agencies – Equifax, TransUnion, and Experian – must be made available at no cost no less than once per year. This provision was included in the FCRA to allow individuals the ability to request inaccurate information be removed from reports in a timely fashion. Also within the FCRA, consumers have the right to dispute any entry that is incorrect, incomplete, or untimely, and disputes must be investigated within 30 days for credit agencies to comply with the law. While you can dispute erroneous information found in your credit report on your own, several people opt to have a third party – a credit repair company – take on this challenge for them. It’s your right to request inaccurate data be removed, but it can be time-consuming and even a bit intimidating when you aren’t all that familiar with the FCRA or other pertinent laws. Credit repair companies manage the dispute process for you, after working with you to determine which information is inaccurate and gathering supporting documentation, if needed. A top-notch company also takes steps to scrub your credit report against other applicable laws, including the Fair Credit Billing Act, the Fair Debt Collection Practices Act, and any others that impact specific groups of consumers. Each of these credit repair tactics are completely legal, and ultimately, they work to your benefit. Credit repair companies do not, however, help you wipe the slate clean when the information dragging down your credit history and score is true and accurate, like a missed payment, a judgment against you, or a bankruptcy. What It Isn’t Thinking credit repair companies are your saving grace when it comes to cleaning up your credit will most likely lead you down a disappointing path. Only incorrect information listed on your credit report, or information that is well past its “expiration date” can be fixed with the help of a credit repair company. Fraudulent credit repair companies may claim to wipe your credit report clean, typically through a process known as segregating your credit file, but this is a farce. Similarly, some less than reputable credit repair companies may promise to fix your credit in a matter of days – this simply isn’t a reality when dealing with the dispute process through the credit reporting agencies. It takes both time and patience to repair your credit the right way. Any credit repair company that asks for a significant fee upfront, before doing any substantive work on your behalf, isn’t likely going to do much if any work for you. Unfortunately, the combination of these fraudulent or misleading aspects of some credit repair companies give the industry an unsavory reputation across the board. However, if you’ve determined that removing negative, inaccurate information from your credit report isn’t a challenge you are willing to go alone, employing the help of a professional, reputable company, or attorney, may be your best next step. Be sure to recognize what responsibilities you have in the process, and commit to working with your credit repair company to achieve optimal results regarding your credit report.
  11. Hi Lady, I am so sorry to hear about your situation. I really hope your dad comes around and makes things right. If it were me I'd definitely set-up a credit fraud alert, consider freezing your credit and request a mailed copy of your credit report from each credit bureau. When you receive them make a note of anything that isn't yours, and start documenting everything. Then (probably before you receive your reports by mail), since you've already been kicked out of your dads house, you might want to bring it up with him again, amicably. Tell him your situation, and let him know you will have to work with the credit bureaus to get things corrected which may require you to report activity that wasn't yours as fraud. Let him know you'd prefer not to do that and give him the opportunity to bring any accounts he opened current, plus hand over anything he's been using under your name. Hotels can be expensive, so I would be sure he understands it's urgent, and wouldn't give him more time than you can afford, because it's probably going to take a couple of months for your credit score to improve if you have to dispute the items with the credit bureaus. Here's a brief overview of fraud alerts, credit freezes and additional considerations. Unfortunately this type of fraud is all too common...
  12. Hi everyone. I need some advice on things. My husband was illegally fired from work back in 2014. We were renting out a town home with my first born son for three and half years. We ended up leaving the place because I did not work and we had no money to pay for the rent anymore. We also ended up losing our brand new car that we financed and ended up moving back to my dads house. It has been a year living with my dad and my husband got his job and has been reinstated back. We now how two more kids and so living at my dads is not working anymore. My husband and I applied for an apartment and has been denied. We've been to four apartments and same thing. I finally got the copy of my credit score in hand and it says I have poor credit. With credit karma it says that I am at 509. I am in shock. I had good credit before despite us having to give back our new car. I seen a copy of my credit report and I see all these credit cards that are open in my name and I do not recall opening these. One day my dad left to go to the store and he left his wallet on the couch. I opened it and seen a gas card in my name and other credit cards. I am hurt and did not know how to feel or think. Because of him my family and I can not get approve for an apartment to live in and When I brought this up to my dad he told us to pack all our things and to get out. My family and I are currently staying in a motel with all our other things in a rented storage. What do I do? My husband told me to report my dad for identity theft but I don't want him to go to jail. I am in big debt because of him. I am stressed because I have to think of my family and their well being. I don't know where to start. If I can get some advice on what I can do to get my credit and my problems fix. I am desperate. How do I dispute all these cards on my name that I did not open? How do I show proof that it wasn't me who opened all these cards? I'm afraid that my dad is doing the same thing to my sisters credit. Please help. I would really appreciate it if I can get some advice on what should I do or how I should do things to get my situation fixed. Thank you in advance.
  13. Hi Angie, I'm sorry to hear about your troubles. That sucks! We've outlined how to get in touch with a human at each credit bureau here: If you have any trouble let me know.
  14. The IT revolution has yielded smartphones, digital banking and cloud services, forever changing the financial services sector. Now anyone with even a simple smartphone can be connected to a wealth of digital services. But there is one major issue with the IT revolution. It is now easier than ever for criminals to steal personal information and funds, all without ever leaving their homes. The spread of digital financial services has not come without consequences, but there are ways of protecting personal information and personal finances. TransUnion, one of the major credit bureaus, has launched an identity theft protection service named TrueIdentity. Credit bureaus like TransUnion are well equipped to handle identity theft issues. These companies already deal with fraud and falsified information on credit reports. There are also forced to comply with many kinds of regulations. TrueIdentity is a free service provided by TransUnion to help consumers protect vital personal information and keep up to date with the best identity protection methods. TransUnion firsts ask the question “How does identity theft happen?” directly on the front page of the TrueIdentity website. TransUnion believes the first step of protecting against identity theft is understanding how the theft works. The TrueIdentity service has a wealth of facts and information readily available for customers to help them adapt to the changing face of identity theft. The next step of the TrueIdentity service is a three-step process to protect against identity theft . Touch Credit Lock TransUnion offers a 1-touch credit lock tool in case of emergencies. With this tool, customers will be able to disable access to their TransUnion credit report with either the swipe of a finger on a mobile device, or the click of a mouse on a computer. If customers suspect suspicious activity on their credit report, they can easily disable any new inquiries and block any attempt by thieves from apply for new credit lines. If the customer wishes to apply for credit, they can easily turn the TransUnion credit score back on. Instant Alerts By signing up for the TrueIdentity service, customers can receive instant alerts whenever anyone applies for credit in the customer’s name. If the customer is applying for credit themselves, the alert will be expected. But if an identity thief attempts to apply for a loan or credit card using the customer’s name, they’ll be able to see the credit check in real time. TransUnion Reports & Alerts TransUnion also offers a 24/7 service that runs at all times on customer’s credit report. All the customer’s personal details are laid out and the credit report can be refreshed instantly with an unlimited number of refreshes. The TransUnion service running in the background will scan for strange names or addresses on credit reports, which can be the first sign of fraudulent activity. Identity theft is both troublesome and on the rise. Now more than ever are people uploading personal and vital information into computers, cloud services and smartphones, leaving many vulnerable to cyber thieves. But with TrueIdentity by TransUnion, people can start fighting back with knowledge, alerts and protective services to stop identity theft before it happens. TrueIdentity is a completely free service, but offers premium features such as your TransUnion credit score and 3 credit bureau monitoring for $9.95 a month.
  15. Where Can I Get My Credit Report for FREE?

    Hi Shirley, You can get a free copy of your credit report annually from any of the three credit reporting agencies - Experian, Equifax, and the TransUnion once every 12 months
  16. Someone in the accounting department of our family business embezzled nearly $500K forcing us to close. Because that money was stolen we have been forced to shut down our business and are in the process of filing for Chapter 7 bankruptcy. The Internal Revenue Services said we can call the 3 major credit monitoring companies and speak to someone about our options to correct our credit due to this theft and fraud. I am struggling to speak to a live customer service representative when I call their phone numbers listed on the Experian, Equifax and TransUnion websites. Can someone please tell me how to get a real human on the phone at any or all of the credit bureaus?
  1. Load more activity