Wes

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About Wes

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  1. 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.
  2. Fax number for Disputes

    This is the only one I know of 972-390-4908. Can't say for certain what department its in.
  3. 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.
  4. Hi MinMac, This page should help: https://www.creditbureauhub.org/topic/getting-in-touch-with-live-person-at-the-credit-bureaus-29/?do=findComment&comment=55
  5. 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...
  6. 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: https://www.creditbureauhub.org/topic/getting-in-touch-with-live-person-at-the-credit-bureaus-29/ If you have any trouble let me know.
  7. Hi Craig, I can totally understand your frustration. The credit bureaus don't make it easy for consumers to get in touch with someone over the telephone. This link should help you get in touch with a human at all 3 credit bureaus. Here's an article with tips for disputing and correcting items on your credit report. In regards to the Better Business Bureau, I don't think they can take adverse action against companies other than working with them to help resolve complaints submitted through the BBB website. Major Credit Bureau BBB Profiles: Here's the BBB pages for each of the credit bureaus in case you're interested seeing what others have complained about, filing your own or writing a review. TransUnion BBB Profile Equifax BBB Profile Experian BBB Profile However, I'd read this article before filing a complaint Best,
  8. Unable to request credit reports online

    Hi Dubhlaine, I’m sorry to hear about the trouble your son is having. I’d have him fill out this form and mail it in. That is what I do whenever I have trouble requesting my reports online. In regards to his denial of credit, it will depend on which credit card he is applying for and what his credit reports look like when he receives them. Unfortunately, most cellular and utility bills don’t report payments to the credit bureaus unless someone stops making payments and the account goes to collections. I’d wait until you receive copies of each of his credit reports to make sure there is no inaccurate information in there then apply for a credit card that is easier to get for individuals with little to no credit history, such as the Capital One Platinum credit card. However, he may need to first start building his credit with a secured credit card which he shouldn’t have any trouble getting approved for. Retail cards are also easier to obtain than normal unsecured credit cards and help with credit building.
  9. Hi Cindy, These numbers should help you get in touch with a live person at each of the credit bureaus to resolve most issues. Equifax - 866 349-5191 - Live Agent (Press 5) TransUnion - 800-916-8800 - Live Agent (Press 4) Experian - 800-509-8495 - Live Agent (Press 0) Please let us know how it goes. Thanks.
  10. Get in Touch With Human at Equifax

    Hi Dave, Sounds like you need to get a copy of Equifax credit report, but it might not be a bad idea to review all of them. You can order all 3 easily through http://www.annualcreditreport.com. Took me about a week to receive them all in the mail the last time I did. Otherwise, if you're ready to talk to someone at Equifax or want to request just your Equifax credit report you can use the following options: By Phone: 866-349-5191 - say 'credit' or press '1'; then say 'denial' or press '2' (because you were denied credit.) To speak with a live agent say 'agent' or press '5' rather than saying 'credit' or pressing '1' from the first menu's options. Online: http://www.equifax.com/fcra By Mail: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281 Be sure to include the form and other information on found here.
  11. Get in Touch With Human at Equifax

    Hi Dave, Yeah, it can be frustrating trying to get in touch with the someone at the credit bureaus. They each have several different phone numbers, and contact forms. And most of the phone numbers are to automated systems. What is it regarding?
  12. Son keeps getting denied for credit card

    Hi Jeralyn, it sounds like you need to get a copy of your credit report from each of the credit bureaus, Equifax, TransUnion and Experian, to see what is on there. You can do so easily through AnnualCreditReport.com. If he's already received his free annual credit reports for the year, you can still request an updated free credit report from the bureau that was used by the credit card company who denied him credit. You'll need to find out from them who that was and get documentation to show he was denied. They will usually send this to you via mail automatically.
  13. Ex-husband Ruined My Credit

    Hi Diana, I'm sorry to hear about your financial dealings with the ex. You can indeed ads a 100 word statement to each of your credit reports explaining your situation, but I'd be cautious in doing so. There are two types of personal statements you can add: A general 'Statement of Excuse', to explain your overall situation; and a 'Statement of Dispute' to explain why you are disputing a particular item, or items, on your credit report. Neither will affect your credit score, but "may" help some lenders decide whether or not to lend to you. Here's an article that will help you with a personal statement.
  14. Here is overview of the ways to contact TransUnion, along with some tips to help you dispute and correct items in your credit report. If you've found an inaccuracy on your credit report or want to correct something in your TransUnion credit file, our recommend method for disputing and correcting items is by certified mail. You can always try calling them, or submitting your request online first, but if that fails, don't hesitate to follow up with a dispute request via certified mail. Just be sure to include all of your supporting information and documentation. When you contact them it is best to have a current copy of your TransUnion credit report. You can request one from them directly or through AnnualCreditReport.com. Contacting them within 60 days of receiving that report is ideal, with your file number handy. If mailing TransUnion, be sure to include a copy of your credit report along with the items you are disputing circled or highlighted. Mailing Address: TransUnion LLC Consumer Dispute Center P.O. Box 2000 Chester, PA 19016 Include this form Dispute Letter Template Phone Number: 1-800-916-8800 Online Use the online form to open up a dispute investigation or check the status of a pending dispute. Online dispute form Regardless of which method you use to submit your inquiry, give them up to 45 days to respond.
  15. Here is overview of the ways to contact Experian, along with some tips to help you dispute and correct items in your credit report. If you've found an inaccuracy on your credit report or want to correct something in your Experian credit file, our recommend method for disputing and correcting items is by certified mail. You can always try calling them, or submitting your request online first, but if that fails, don't hesitate to follow up with a dispute request via certified mail. Just be sure to include all of your supporting information and documentation. When you contact them it is best to have a current copy of your Experian credit report. You can request one from them directly or through AnnualCreditReport.com. Contacting them within 60 days of receiving that report is ideal. Be sure to have your report number handy. If mailing Experian, be sure to include a copy of your credit report along with the items you are disputing circled or highlighted. Mailing Address: Experian National Consumer Assistance Center P.O. Box 4500 Allen, TX 75013 Include a form like this (Experian doesn't provide one) Dispute Letter Template Phone Number: 1-800-509-8495 Online Use the online form to open up a dispute investigation or check the status of a pending dispute. Online dispute form Give them up to 45 days to respond to your inquiry.