Woo Hoo!!!

[GettingBetter]

I got my first "new" credit report back yesterday and am very happy to say that Experian took a student loan and a credit card bill off!!! That's about $4000.00 of debt gone!
Experian is still showing one collection and they marked it as "updated" and "verified". The information did changed from what was on the original credit reported. The amount has gone up (go figure) and it is now only showing once on the report instead of twice like it was before. What are my options for dealing with this account? I really have no idea what it is, who the original creditor or borrower is, or how they (Experian) verified it. Any advise would be appreciated. Thanks in advance.

[chane]

Congratulations!

Experian is the hardest CRA to deal with. Getting that other account off won't be easy. You may want to start by making a procedural request or method of verification to find out how they verified it.

From experience, they will usually give you the run around, but it's worth a try. They usually leave the OCs phone number and address on there as well. You can try contacting them.

[GettingBetter]

Thank you once again! You and this site have been of great help to me. The fight continues, but I feel really good getting the worst of the worst CB's delt with. Now if the others will just fall in line.....
I will try the agency listed on my new report (Midland Management, I believe) and see what I can find out, and go from there. Again.... thank you bunches!

[jjgross]

I had a similar problem some time back. I can tell you from experience that it works best when you go ahead and get your yearly freebies from all three. Also Experian has a history of 'we reported what we were told', so you're always better off when you dispute this account that you're not sure of even when they've put it down as verified and updated.

I disagree with getting the 3 free because it gives the ca's an extra 15 days to answer it's right in the fcra so buy your reports from each bureau don't give them an advantage

[Trish]

Originally Posted by jjgross

I disagree with getting the 3 free because it gives the ca's an extra 15 days to answer it's right in the fcra so buy your reports from each bureau don't give them an advantage

I totally agree!
If you can afford to buy them, then do that. Giving the CRAs more time to investigate will lessen your chance for a deletion. Especially if you are trying to do a 1 2 punch.