Complaint Review: Experian Equifax TransUnion

Steve in Fl. or anyone else,

Steve, I read in your response "it's how you address Equifax to get items deleted".

Maybe you or anyone can offer some assistance.

I tried the method you mentioned with regards to contacting Equifax. I informed them that a piece of information (tax lien) in my report did not belong to me. They responded with "verified" and to contact the court that inserted the info. I contacted the court they claimed inserted the information. The court responded; on their letter head, that they did not have ANYTHING in their files on me. I sent a copy of the document to EQ demanding they delete the erroneous information. They responded again with "verified" contact the court and continued to report. I then asked them to provide proof they verified the info by providing me with the phone number, address, contact person, email address, etc of the person at the court that verified my information. Again they just responded with "verified" and to contact the court. They failed to provide ANY of the information I requested.

I then contacted the FTC and filed a complaint and the BBB of Atlanta. Each time I received their canned response "verified" and to contact the court.

Can anyone offer advice?

Moe

I'm not with Instant Credit builders. I only agreed to add some accounts of mine to Credit Engineering to help others and gain some modest monthly income (yes, they do pay me monthly).

The best thing I could tell you is to find a family member or trusted friend, and pay them to add you to their CC account(s). Make sure they have no late payments over the history of the account. Also make sure the account has been open for several years (preferred length). Their history will show up on your credit reports.

Hello Jason, Are you Jason with instant credit builders. I need help. I am interested in your credit solutions. Can you be a little more specific as to how I can get my credit score high up. I need a brand new car but don't want to have a 20% interest rate.

I tried to raise my credit score with Traders cooperative but nothing happened and I lost 1400 dollars. Please help.

I had a chat with a loan officer before I left Rhode Island. He kind of laughed at how many take this credit score thing so seriously. He said if he went by that he'd lose 90 percent of his customers. Soon be out of business. People are not gods. Or even close. They make mistakes. These credit unions only apply mainly to credit card use. Most your bills you pay every week or month never get reported. With this new wave in the air thiers now private companies tracking your info. Its everyone. Its become big business and making identity theft even easier because so many can get access to your info so easily. Best protection on the market is like he said. Don't expect people to be perfect. Cover the inperfections with backup insurance. He insures every car sales he makes with insurance. If you get to were you can't pay the insurance will pick it up too a year. Lot of banks use to do that. Winks but they got smarter. The new credit unions. Pretty soon they won't have customers with these godlike rules. You show me a god on earth who never screws up a checking account and is perfect in every payment. I'll show you the best bank in the world with the most customers. Now a days everyone is on the kick. The Big Three is getting smaller everyday. The other banks so called smaller branches now network together so they have thier own union. Not well known yet and intended to be kept a secret. Phone companies, electric companies, etc. They all keep thier own info in case you come back. The Big Three only have power now over credit cards. Because they got greedy and too big. Happens to us all. Your overhead always outgrows your income no matter how hard you budget. To spend a lifetime trying to get high credit scores. Come on.. How exciteing is that. Go back to school or do something more challenging. Let the noise quiet about credit scores and it will fade away. Its not accurate. Because it can't possibly keep track of every American and what they buy and pay for. It can only keep track of what mistakes you make and in the end the business's will suffer for every one they caused to get rejected that might of changed or got back on track and became a good customer. Its a bad system and only hurts business in the long run. But I no longer do business with companies that use this approach. To me its ignorance at its highest level. Business's should be able to evaluate whether a client can afford to pay by a few simple math deductions. And judge wether that person seems honest. And to cover the error margin use insurance to cover loss's or protect. Work with the customer were they can afford and don't con them over thier budget and we won't need credit scores.

A close friend of mine (29 years old) had NO credit before last summer. He had no negative information. He always paid his bills on time. He always dealt in cash. Last summer his car broke down once and for all. He didn't have the necessary cash to purchase a used vehicle due to his college courses which he has paid a considerable sum of money for, along with other bills he has.

I pointed him in the direction of Credit Engineering. I loaned him $3,000 to purchase several credit accounts. One was a 10 year installment loan account with a $50,000 loan amount. It was reported with a monthly payment of 450 dollars ON TIME for 10 years.

He received a 5 year auto loan for $35,000 and another 6 year auto loan for $20,000 all paid full.

He was added as authorized user to 3 credit card accounts. One with a limit of 25,000 reported for 12 years of flawless on time history (less than 20% utilization on all 3 of the card accounts at all times).

We looked over his credit reports this past weekend. This assortment of accounts raised his score from NO score to a whopping 791 for TransUnion. Equifax and Experian are all above 750. He has paid me the 3 grand I loaned him, AND gave me an additional 2 grand for helping to solidify his financial future.

It only took 4 months for everything to properly update. His monthly salary of $3,900 is more than sufficient to afford him the auto of his dreams. He was formerly approved for GMAC financing at 1.9% for a brand new 2007 Chevrolet Cobalt SS Supercharged coupe. Expect monthly payments to be below $400.

Why should someone like you who pays bills on time be stuck with no credit history because utilities don't report on your credit? Why should you pay the same rates as the deadbeats who routinely pay 90+ days past due/or don't pay at all? That hardly sounds fair to me. I refused to lay down and bend over for the credit process.

No way in hell I'd pay 20% for an auto loan when my timely bill paying should get me single digit financing. I don't play by their rules. I play by my rules. Fair is fair. It's only fair that someone like me and my friend who NEVER missed utility or rent payments, get the same rates as someone who never missed a credit card payment. It's unfair to get the rates of someone who missed payments or went derogatory on a lender reported account.

If the credit bureau brass are reading this, take notice. We're on to your scheme of making the banks money. Willingly reporting false negative info about people so the banks get more money. You monopolize the credit industry. It will backfire on you one day. In the meantime, it's nice to find little loopholes in your supposed "accurate" credit reporting process.

Oh, it's also easy if you simply ask your family members to add you to their credit cards (only if they have it open for a long time, AND no late payments. this can easily add 100 points to your score). This is also called piggyback style credit. It adds that persons 5 or perhaps 20 year payment history to your credit reports. It's nice to know you can add 100 points with your family's help within a month or two.

Thank you and have a nice day.

~You make the rules and I'll break em!~ HBK Shawn Michaels

A close friend of mine (29 years old) had NO credit before last summer. He had no negative information. He always paid his bills on time. He always dealt in cash. Last summer his car broke down once and for all. He didn't have the necessary cash to purchase a used vehicle due to his college courses which he has paid a considerable sum of money for, along with other bills he has.

I pointed him in the direction of Credit Engineering. I loaned him $3,000 to purchase several credit accounts. One was a 10 year installment loan account with a $50,000 loan amount. It was reported with a monthly payment of 450 dollars ON TIME for 10 years.

He received a 5 year auto loan for $35,000 and another 6 year auto loan for $20,000 all paid full.

He was added as authorized user to 3 credit card accounts. One with a limit of 25,000 reported for 12 years of flawless on time history (less than 20% utilization on all 3 of the card accounts at all times).

We looked over his credit reports this past weekend. This assortment of accounts raised his score from NO score to a whopping 791 for TransUnion. Equifax and Experian are all above 750. He has paid me the 3 grand I loaned him, AND gave me an additional 2 grand for helping to solidify his financial future.

It only took 4 months for everything to properly update. His monthly salary of $3,900 is more than sufficient to afford him the auto of his dreams. He was formerly approved for GMAC financing at 1.9% for a brand new 2007 Chevrolet Cobalt SS Supercharged coupe. Expect monthly payments to be below $400.

Why should someone like you who pays bills on time be stuck with no credit history because utilities don't report on your credit? Why should you pay the same rates as the deadbeats who routinely pay 90+ days past due/or don't pay at all? That hardly sounds fair to me. I refused to lay down and bend over for the credit process.

No way in hell I'd pay 20% for an auto loan when my timely bill paying should get me single digit financing. I don't play by their rules. I play by my rules. Fair is fair. It's only fair that someone like me and my friend who NEVER missed utility or rent payments, get the same rates as someone who never missed a credit card payment. It's unfair to get the rates of someone who missed payments or went derogatory on a lender reported account.

If the credit bureau brass are reading this, take notice. We're on to your scheme of making the banks money. Willingly reporting false negative info about people so the banks get more money. You monopolize the credit industry. It will backfire on you one day. In the meantime, it's nice to find little loopholes in your supposed "accurate" credit reporting process.

Oh, it's also easy if you simply ask your family members to add you to their credit cards (only if they have it open for a long time, AND no late payments. this can easily add 100 points to your score). This is also called piggyback style credit. It adds that persons 5 or perhaps 20 year payment history to your credit reports. It's nice to know you can add 100 points with your family's help within a month or two.

Thank you and have a nice day.

~You make the rules and I'll break em!~ HBK Shawn Michaels

A close friend of mine (29 years old) had NO credit before last summer. He had no negative information. He always paid his bills on time. He always dealt in cash. Last summer his car broke down once and for all. He didn't have the necessary cash to purchase a used vehicle due to his college courses which he has paid a considerable sum of money for, along with other bills he has.

I pointed him in the direction of Credit Engineering. I loaned him $3,000 to purchase several credit accounts. One was a 10 year installment loan account with a $50,000 loan amount. It was reported with a monthly payment of 450 dollars ON TIME for 10 years.

He received a 5 year auto loan for $35,000 and another 6 year auto loan for $20,000 all paid full.

He was added as authorized user to 3 credit card accounts. One with a limit of 25,000 reported for 12 years of flawless on time history (less than 20% utilization on all 3 of the card accounts at all times).

We looked over his credit reports this past weekend. This assortment of accounts raised his score from NO score to a whopping 791 for TransUnion. Equifax and Experian are all above 750. He has paid me the 3 grand I loaned him, AND gave me an additional 2 grand for helping to solidify his financial future.

It only took 4 months for everything to properly update. His monthly salary of $3,900 is more than sufficient to afford him the auto of his dreams. He was formerly approved for GMAC financing at 1.9% for a brand new 2007 Chevrolet Cobalt SS Supercharged coupe. Expect monthly payments to be below $400.

Why should someone like you who pays bills on time be stuck with no credit history because utilities don't report on your credit? Why should you pay the same rates as the deadbeats who routinely pay 90+ days past due/or don't pay at all? That hardly sounds fair to me. I refused to lay down and bend over for the credit process.

No way in hell I'd pay 20% for an auto loan when my timely bill paying should get me single digit financing. I don't play by their rules. I play by my rules. Fair is fair. It's only fair that someone like me and my friend who NEVER missed utility or rent payments, get the same rates as someone who never missed a credit card payment. It's unfair to get the rates of someone who missed payments or went derogatory on a lender reported account.

If the credit bureau brass are reading this, take notice. We're on to your scheme of making the banks money. Willingly reporting false negative info about people so the banks get more money. You monopolize the credit industry. It will backfire on you one day. In the meantime, it's nice to find little loopholes in your supposed "accurate" credit reporting process.

Oh, it's also easy if you simply ask your family members to add you to their credit cards (only if they have it open for a long time, AND no late payments. this can easily add 100 points to your score). This is also called piggyback style credit. It adds that persons 5 or perhaps 20 year payment history to your credit reports. It's nice to know you can add 100 points with your family's help within a month or two.

Thank you and have a nice day.

~You make the rules and I'll break em!~ HBK Shawn Michaels

A close friend of mine (29 years old) had NO credit before last summer. He had no negative information. He always paid his bills on time. He always dealt in cash. Last summer his car broke down once and for all. He didn't have the necessary cash to purchase a used vehicle due to his college courses which he has paid a considerable sum of money for, along with other bills he has.

I pointed him in the direction of Credit Engineering. I loaned him $3,000 to purchase several credit accounts. One was a 10 year installment loan account with a $50,000 loan amount. It was reported with a monthly payment of 450 dollars ON TIME for 10 years.

He received a 5 year auto loan for $35,000 and another 6 year auto loan for $20,000 all paid full.

He was added as authorized user to 3 credit card accounts. One with a limit of 25,000 reported for 12 years of flawless on time history (less than 20% utilization on all 3 of the card accounts at all times).

We looked over his credit reports this past weekend. This assortment of accounts raised his score from NO score to a whopping 791 for TransUnion. Equifax and Experian are all above 750. He has paid me the 3 grand I loaned him, AND gave me an additional 2 grand for helping to solidify his financial future.

It only took 4 months for everything to properly update. His monthly salary of $3,900 is more than sufficient to afford him the auto of his dreams. He was formerly approved for GMAC financing at 1.9% for a brand new 2007 Chevrolet Cobalt SS Supercharged coupe. Expect monthly payments to be below $400.

Why should someone like you who pays bills on time be stuck with no credit history because utilities don't report on your credit? Why should you pay the same rates as the deadbeats who routinely pay 90+ days past due/or don't pay at all? That hardly sounds fair to me. I refused to lay down and bend over for the credit process.

No way in hell I'd pay 20% for an auto loan when my timely bill paying should get me single digit financing. I don't play by their rules. I play by my rules. Fair is fair. It's only fair that someone like me and my friend who NEVER missed utility or rent payments, get the same rates as someone who never missed a credit card payment. It's unfair to get the rates of someone who missed payments or went derogatory on a lender reported account.

If the credit bureau brass are reading this, take notice. We're on to your scheme of making the banks money. Willingly reporting false negative info about people so the banks get more money. You monopolize the credit industry. It will backfire on you one day. In the meantime, it's nice to find little loopholes in your supposed "accurate" credit reporting process.

Oh, it's also easy if you simply ask your family members to add you to their credit cards (only if they have it open for a long time, AND no late payments. this can easily add 100 points to your score). This is also called piggyback style credit. It adds that persons 5 or perhaps 20 year payment history to your credit reports. It's nice to know you can add 100 points with your family's help within a month or two.

Thank you and have a nice day.

~You make the rules and I'll break em!~ HBK Shawn Michaels

Contact crown jewelers, look them up on ripoffreport.com. It sounds right up your alley. If you order a pr of plastic earring for $34 THEY will increase your credit score by at least 100 points. Of course you'll end up paying over $100 for those $1 pr of earring and if you don't, they'll destroy what credit you already have. But who knows, it's worth a try.

John,

Under the FCRA you are entitled to see all communications used in processing your disputed item on your credit report, BUT you MUST ask for it.

If the creditor or collector knowingly provides false information, you can bring both civil lawsuits and criminal charges.

The credit bureaus are not legally required to verify the information THEIR subscribers submit until YOU request it.

I get false or inaccurate entries removed, first time, every time. It is HOW you word and send your request. NEVER use the online method of disputing an item! NEVER!!

Always use CERTIFIED MAIL, return reciept requested and put the certified# on the letter itself and keep a copy for your records. Quote the provision of the FCRA that you are requesting compliance of. "CC" the letter to the FTC, AG, etc..

You have the right to sue both the CRA and the collector/creditor. These are easy cases to win.

They ONLY get away with what YOU allow them to get away with.

I had an account purchased by Asset Acceptance, LLC, that was last deliquent in 2001, more than 4 years after the statute of limitations expired. The orignal loan was purchased from Providian and should pass off my credit report 7 years from the date it was last deliquent, in accordance with the FTC's Fair Debt Collection Practices Act.

Asset Acceptance, LLC has lied to Experian and even after providing proof to Experian that the debt was purchased from Providian, Experian has illegally colluded with Asset Acceptance, LLC to intentionally provide false credit report information.

This false credit information exists everywhere, and the FTC and Credit Reporting Agencies such as Experian refuse to do anything about it. Until a Federal lawsuit is filed against the FTC, the credit agencies, and the companies that they illegally collude with, nothing is going to change.

hi
great software if you ask me cansomeoneplease emailme this software and code so i can fix my credit report please email me
(((ROR REDACTED E-MAIL ADDRESS FOR SECURITY PURPOSES)))

thanks

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

Credit Engineering is the real deal, BUT you do need a tidy amount of cash available. If you go on their site, you can see silver, gold, and platinum packages. All are not cheap. What they simply do is add you as an authorized user to any of the accounts people pool in.

I pooled a few of my accounts onto the site, and get paid for doing so. If you buy a package, they add you to someone's account as an authorized user. The person who submitted their account info to the site agrees that the authorized user will not receive a credit card or other information. The sole purpose of this site is to instantly add 5, 10, or 20 years of credit history to your reports thanks to someone else's payment history.

There are a few companies (I'm still searching) who allow you to pay them 500 or 1000 bucks and they will open a loan for you. They will report the loan paid as a agreed (closed) with 5 years of payment history. Once I find any companies, I will post them on here. I have personally helped dozens of people I know already. So I feel empowered in helping others get over on the credit bureaus.

The best part? None of them have been delinquent. All they wanted was a chance to get the best rates, and they proved they can pay on time. All you need is a little boost.

Why pay high rates at first when your a responsible payer, when you can get the rates YOU DESERVE. Not what some lender thinks you deserve based on a communist based credit score.

whats up jason, just wanted to know if you know anything about credit engineering, are they the real deal?

I like to go to an internet search site. I type in the search minus the beginning of the link and the end of the link...or dot com. I type in creditengineering and that seems to do the trick.

It is pricy but it works.

I recently found out I've been a bad boy and have a terrible credit report. Seems I owe thousands in back child-support for "my" two young children and am currently delinquent. Only thing is, my kids are long gone, I don't have any young ones, have never been divorced or had any other kids, and don't know the woman who turned me in or either of her brats. I'm hoping they take me to court so I can make fools out of them all with a DNA test, then the fun can start. When I recently applied for a home-repair loan the bank called me on it and I told them, "So reject me and give me the report for my attorney so we can decide who to sue first." They instead decided to give me the loan and wrote a letter to some pinheads at the agencies. I guess the credit agencies aren't as influential as they appear to be. I'd bet 50% or their information is bull.

The method of reporting using the software was published on a few hacking sites. It involved a fictitious company, which was inspected by credit bureau reps and passed everything. They passed off as a loan place. I paid a considerable sum (less than one thousand dollars) to be given the access codes to each bureau, and all the credentials you must type in to gain access and post an account.

Given the mass volume of billions of account updates the bureaus receive each day, I doubt they will have any time to inspect each one. I gave the company a copy of my report, just in case the bureaus asked questions. They would contact this company and the company would verify the info. This company has made over 5 million dollars in the past year and a half. I wont post any more details, other than they "specialize" in mortgage and auto loans, but also do personal and credit card loans.

The credit bureaus sell false info about many people. Then expect us to fix all the info by ourselves. So adding false info wont hurt the bureaus any at all. It benefits us in the form of lower interest rates. Again, I dont advocate the use of these methods to run with the loan. I advocate the use of these methods to save money with a rightful A+ credit report.

Yet, anyone hasn't provided evidence (caselaw) of illegal activities in which people were indicted for adding fake positive accounts to peoples credit reports to inflate a score in exchange for money. I paid good money, and already I've saved money in the long run. Plus i've qualified for necessary loans we all must obtain. I just dont pay as much in interest.

The method of reporting using the software was published on a few hacking sites. It involved a fictitious company, which was inspected by credit bureau reps and passed everything. They passed off as a loan place. I paid a considerable sum (less than one thousand dollars) to be given the access codes to each bureau, and all the credentials you must type in to gain access and post an account.

Given the mass volume of billions of account updates the bureaus receive each day, I doubt they will have any time to inspect each one. I gave the company a copy of my report, just in case the bureaus asked questions. They would contact this company and the company would verify the info. This company has made over 5 million dollars in the past year and a half. I wont post any more details, other than they "specialize" in mortgage and auto loans, but also do personal and credit card loans.

The credit bureaus sell false info about many people. Then expect us to fix all the info by ourselves. So adding false info wont hurt the bureaus any at all. It benefits us in the form of lower interest rates. Again, I dont advocate the use of these methods to run with the loan. I advocate the use of these methods to save money with a rightful A+ credit report.

Yet, anyone hasn't provided evidence (caselaw) of illegal activities in which people were indicted for adding fake positive accounts to peoples credit reports to inflate a score in exchange for money. I paid good money, and already I've saved money in the long run. Plus i've qualified for necessary loans we all must obtain. I just dont pay as much in interest.

The method of reporting using the software was published on a few hacking sites. It involved a fictitious company, which was inspected by credit bureau reps and passed everything. They passed off as a loan place. I paid a considerable sum (less than one thousand dollars) to be given the access codes to each bureau, and all the credentials you must type in to gain access and post an account.

Given the mass volume of billions of account updates the bureaus receive each day, I doubt they will have any time to inspect each one. I gave the company a copy of my report, just in case the bureaus asked questions. They would contact this company and the company would verify the info. This company has made over 5 million dollars in the past year and a half. I wont post any more details, other than they "specialize" in mortgage and auto loans, but also do personal and credit card loans.

The credit bureaus sell false info about many people. Then expect us to fix all the info by ourselves. So adding false info wont hurt the bureaus any at all. It benefits us in the form of lower interest rates. Again, I dont advocate the use of these methods to run with the loan. I advocate the use of these methods to save money with a rightful A+ credit report.

Yet, anyone hasn't provided evidence (caselaw) of illegal activities in which people were indicted for adding fake positive accounts to peoples credit reports to inflate a score in exchange for money. I paid good money, and already I've saved money in the long run. Plus i've qualified for necessary loans we all must obtain. I just dont pay as much in interest.

I work with financial software for a living, and I know how a Metro2 file is generated. I don't believe there is a way that a fake trade line can be added, at least not by an amateur.

The bureaus will only accept a file from a member (like a bank), and that file can only contain data about the bank's loans, so where is there room for a trade line that doesn't exist, from someplace else?

I could take that file and manipulate it to add a paid up loan, but as soon as a bureau runs it it will be flagged because it was never there as an unpaid loan, and as soon as they question it with the bank, the jig is up.

If someone offers to create a fake entry on your credit report for money, you are being swindled, and frankly, you deserve to be.

I contacted this guy in the website. I can't confirm the legitimacy of the site. But it does claim to add positive fake tradelines (loans, auto loans, mortgages) and they reflect a paid off status. The cheapest one is a couple hundred dollars.

The hacking is no longer working as far as I know.

If you have family members like a few have said, thats the best route.

As far as I know, NOT ONE PERSON HAS GOTTEN CAUGHT HAVING FAMILY MEMBERS IN THE LENDING INDUSTRY ADD FALSE TRADELINES TO THEIR CREDIT REPORTS.

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

So, why aren't you eligible for student loans or financial aid? Not paid your previous loans? So, now we want to try to cheat and steal to get back into school. Try this: Work really hard, save your money and pay cash for your education like a lot of older adults. I'm sure you would look great behind bars in a striped suit. Good luck, cheater.

So, why aren't you eligible for student loans or financial aid? Not paid your previous loans? So, now we want to try to cheat and steal to get back into school. Try this: Work really hard, save your money and pay cash for your education like a lot of older adults. I'm sure you would look great behind bars in a striped suit. Good luck, cheater.

So, why aren't you eligible for student loans or financial aid? Not paid your previous loans? So, now we want to try to cheat and steal to get back into school. Try this: Work really hard, save your money and pay cash for your education like a lot of older adults. I'm sure you would look great behind bars in a striped suit. Good luck, cheater.

So, why aren't you eligible for student loans or financial aid? Not paid your previous loans? So, now we want to try to cheat and steal to get back into school. Try this: Work really hard, save your money and pay cash for your education like a lot of older adults. I'm sure you would look great behind bars in a striped suit. Good luck, cheater.

DON'T DO IT! It is a FEDERAL CRIME to hack into a computer and tamper with data. See the link I posted on the other report created by "Jason". It is reported that 95% of all hackers get caught. Is it really worth possible jail time for trying to illegally up your credit score?

How can I manipulate the credit report? how can I acquire the metro 2 software ?? i'm waiting for a response and currently open to any of your suggestions !

Go to http://www.credittime2000.com I hope it will allow the link to be posted. I think it's time for people like you, who are trying to make it in the real world to be given a break. It's unfair that the credit bureaus profit off of you by selling negative information about you.

Leading to your Pulaski credit card declination. We never asked the credit bureaus to steal our information. Like others on here have said, they commited an illegal theft by conversion. They stole our name and SSN, converted it to their own property, and sell it on a daily basis. Once it gets out that people are adding fake accounts to their credit files, the credit bureaus are going to face a huge massive lawsuit. Because of selling misleading and fake information, they could be held liable for non payers.

This could be the straw that breaks the camels back. EVERYONE THAT AGREES WITH ME, PLEASE SAY "AYE" Because without these illegal private companies stealing our information, we won't have negative information floating about us. Plus someone said that adding fake accounts to our own credit files is not a crime. This is true. As long as your not modifying anyone elses identity, it's not a crime.