anyone else have problems fixing credit report

[mickeymousefan]

After being turned down for a Disney visa last month, I got DH's and my credit report and was shocked at the mistakes it contained. So now, after 3 weeks, a ton of hours of research, a zillion phone calls to rude people who can never seem to help me, and lots of tears of frustartion , I feel like I have gotten nowhere!!!
Does this happen to everyone???
It seems like any idiot out there can put anything they want on your credit report but it takes an act of G-d to get it off.
Is it just me??

 

[DisneyAddict_M]

Part of my job is fixing credit reports. I hate doing it. It's such a pain.

 

[aprincessmom]

It can takes months and months to clean them up. And everything needs lots of documentation. It took 20 months to clean my report up and now I keep a very, very close eye on it.

 

[RachelEllen]

It took about 6 weeks to get mine fixed. Persitence is the key. The actual fixing takes seconds, so just keep calling and insisting they tell you exactly what documentation they need and who needs to get it. Find out if you can fax it, and then keep calling back to confirm it has arrived.

 

[oogieboogie]

Aah... welcome to our world, mmfan. We've been fighting the establishment for close to 6 years now. Everything from ID theft, bounced checks that were not DH's but put on his credit report, you name 'em, we've had them. Currently we're in a lawsuit with Equifax and Experian.

I don't know how busy DH is right now, but if you want you can email him at picanteL43@hotmail.com.

He might be able to help you clean up your report, or at least give you pointers to who you should contact, etc. He's been cleaning up his brother's reports. He knows a lot of contacts that could help you.

BTW, he's picantel on the creditboards.com. This is a good discussion forum about credit reports. DH is a volunteer consumer protection advocate and he's worked with a couple DISer's here.

Unfortunately, this problem is not uncommon at all. There are thousands of people who have the same problems as you do. The worst part is that the credit bureaus have no real incentive to help the consumer clean their report.

The first thing you should do is get PrivacyGuard. A yearly subscription is definitely well worth the money as you can see all three bureau reports everyday, because what comes off one bureau report may not hold true with another bureau.

 

[kdibattista]

definitely check out www.creditboards.com .... It's an awesome site!!!!