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It's appalling; I spent the evening disputing fraudulent reports on my record form Experian, TransUnion, and Equifax, and it took only one evening. That's just wrong! Given that the apparent goal of these agencies seems to be to make people's lives as complicated and miserable as possible, someone obviously screwed up by creating a process whereby one can accomplish a 30 minute job in as little as 4 hours, when - properly planned and coordinated - the process could be extended to fill several days and nights. Somebody goofed, obviously!
I found two old accounts, both closed ten years ago or so - I forget - still being reported as new as various collection agencies keep trading the paper back and forth. Both were utility accounts I cancelled while still current when I was last laid off, but who continued to bill me for services I requested to be turned off. I refuse to pay for unordered merchandise or services, and always will.
It should be interesting to watch what happens with these disputes, as I've never tried it before. The reporting agencies are legally required to remove disputed reports unless the reporting creditor positively affirms the claim, and then only if the original date of default is less than ten years ago. In Arizona, the statute of limitations prohibits any collections efforts after only 4 years.
Another odd thing I found tonight was that there are multiple aliases associated with my name, along with addresses where I've never lived, and valid addresses with dates of residence off by a decade or more. I wonder where they get those bits of erroneous data? I've never used any alias but my own name for any purpose other than online social sites, and none of those show up in the report. It's a curious world out there in Cyberland...
Will Rogers never met me.
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A good reason not to use credit.
There are only 10 types of people in the world, those who understand binary and those who don't.
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Just write them a letter. Its easier.
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Roger Wright wrote: It should be interesting to watch what happens with these disputes, as I've never tried it before. The reporting agencies are legally required to remove disputed reports unless the reporting creditor positively affirms the claim, and then only if the original date of default is less than ten years ago. In Arizona, the statute of limitations prohibits any collections efforts after only 4 years.
Is that federal? My question is that I have $6000 in student loans that I paid off, but my college never reported to credit agencies as paid. I have the receipt from college, too. Any idea of best way to dispute and force the agency to do the ground work of confirming? I also have some minor sh*t on there I wouldn't mind disputing.
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Yes, in the Fair Credit Reporting Act. The drag is that you have to dispute a false report with each agency separately.
Will Rogers never met me.
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For some reason, only one agency reports it. So it might be easier to clean up.
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