So maybe some of you with more experience can help me out here.
I signed up for www.truecredit.com free for 30 days, and it shows 2 accounts showing late, and with large balances even though they were included in the bankruptcy! So I disputed those with TransUnion right online. Then I was able to get onto Experian's site and dispute with them, through an old report.
Should I have waited and done it in writing, certified and registered, instead of doing it online?
I figured I'd try it online and see if it's resolved quickly and if not, then I'll re-dispute with more force, via letters, certified and registered. I disputed almost ALL my Experian accounts online because they all had accounts showing 30-60 days later then they really were.
Is that a reasonable plan of attack, to do it online and then later with letters IF necessary?
Also, I have one credit card showing as Open yet it is not open (it's my credit union Visa with $1000 limit)
But here's the thing:
It reports on TU as my owing them nothing and having a satisfactory payment record and NOT being closed. So should I leave it be and not dispute it even though it is wrong info? Is it in my best interest to have it shown as open?
Also, I thought I'd call this account and ask them if they would re-open that account for me or give me another one, but maybe I should let sleeping dogs lie if this is a positive on my account? (If I call them they might become aware of the fact that account is closed and report it that way to the CB?)
Just so anyone who is interested may know:
If you go to www.myfico.com they are offering a free 30 day trial of their service.
You supposedly get 1 free fico store and 1 Equifax report now, and one more Fico score and one more Equifax report at any time in the future before you cancel. If you do not cancel within 30 days, though, you have to pay for an annual subscription at $89.95. Wouldn't be such a bad deal if it included your other credit reports (Experian and TransUnion) but I think it only includes Equifax and Fico scores. I think I'll sign up tomorrow. I already have access to Experian and TU for free through truecredit.com, so all I need now is Equifax and a couple FICO scores. I'll just have to REMEMBER to cancel before the 30 days are up. Supposedly they will contact me to remind me, but I won't count on it, I'll put a reminder on my calendars.
I signed up for www.truecredit.com free for 30 days, and it shows 2 accounts showing late, and with large balances even though they were included in the bankruptcy! So I disputed those with TransUnion right online. Then I was able to get onto Experian's site and dispute with them, through an old report.
Should I have waited and done it in writing, certified and registered, instead of doing it online?
I figured I'd try it online and see if it's resolved quickly and if not, then I'll re-dispute with more force, via letters, certified and registered. I disputed almost ALL my Experian accounts online because they all had accounts showing 30-60 days later then they really were.
Is that a reasonable plan of attack, to do it online and then later with letters IF necessary?
Also, I have one credit card showing as Open yet it is not open (it's my credit union Visa with $1000 limit)
But here's the thing:
It reports on TU as my owing them nothing and having a satisfactory payment record and NOT being closed. So should I leave it be and not dispute it even though it is wrong info? Is it in my best interest to have it shown as open?
Also, I thought I'd call this account and ask them if they would re-open that account for me or give me another one, but maybe I should let sleeping dogs lie if this is a positive on my account? (If I call them they might become aware of the fact that account is closed and report it that way to the CB?)
Just so anyone who is interested may know:
If you go to www.myfico.com they are offering a free 30 day trial of their service.
You supposedly get 1 free fico store and 1 Equifax report now, and one more Fico score and one more Equifax report at any time in the future before you cancel. If you do not cancel within 30 days, though, you have to pay for an annual subscription at $89.95. Wouldn't be such a bad deal if it included your other credit reports (Experian and TransUnion) but I think it only includes Equifax and Fico scores. I think I'll sign up tomorrow. I already have access to Experian and TU for free through truecredit.com, so all I need now is Equifax and a couple FICO scores. I'll just have to REMEMBER to cancel before the 30 days are up. Supposedly they will contact me to remind me, but I won't count on it, I'll put a reminder on my calendars.
A NEW START!!!
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