Billcoll01
MESA,#2Consumer Suggestion
Sun, January 13, 2008
I AGREE THAT ALL DISPUTES SHOULD BE DONE BY MAIL. WHEN IT COMES TO CREDIT ISSUES, THE BIGGER THE PAPER TRAIL, THE BETTER. THE ONE ADVANTAGE TO ONLINE(IF AVAILABLE)IS ALL 3 REPORTING AGENCIES OFFER A REMINDER SERVICE THAT EMAILS YOU WHEN ITS BEEN A YEAR SINCE YOU LAST FACTA DISCLOSURE. ANOTHER ADVANTAGE IS THAT YOU HAVE ACCESS TO THE REPORT FOR 30DAYS, JUST IN CASE A PAPER COPY GETS LOST. IF YOU DO IT ONLINE, MAKE SURE THAT YOUR SECURITY SOFTWARE IS UPDATED! ONE FINAL NOTE, LOOK CAREFULLY AT THE INQUIRY SECTION, AT LEAST THE ONES THAT MATTER, TO MAKE SURE THAT THERE ARE NO SUSPICIOUS COMPANIES LOOKING AT YOUR REPORT AS THAT COULD INDICATE ID THEFT.
Steve
Bradenton,#3Consumer Suggestion
Sat, January 12, 2008
Actually it is better to CALL each credit bureau directly to get your FREE annual credit reports. There is no legal requirement to go to annualcreditreport.com to do so. What about the people who do not have access to the internet? Think about it. And, you give up some rights of dispute when you use the online forum, if you read the fine print you agree to when you click "submit". Never do an online dispute, as you have no tangible proof that you made the dispute if it actually has to go to court. Do EACH disputed item separately, and send by certified mail, return reciept requested. Put the certified# on the letter itself and keep a copy for your records. This will prove exactly what you sent.
Steve
Bradenton,#4Consumer Suggestion
Sat, January 12, 2008
Actually it is better to CALL each credit bureau directly to get your FREE annual credit reports. There is no legal requirement to go to annualcreditreport.com to do so. What about the people who do not have access to the internet? Think about it. And, you give up some rights of dispute when you use the online forum, if you read the fine print you agree to when you click "submit". Never do an online dispute, as you have no tangible proof that you made the dispute if it actually has to go to court. Do EACH disputed item separately, and send by certified mail, return reciept requested. Put the certified# on the letter itself and keep a copy for your records. This will prove exactly what you sent.
Steve
Bradenton,#5Consumer Suggestion
Sat, January 12, 2008
Actually it is better to CALL each credit bureau directly to get your FREE annual credit reports. There is no legal requirement to go to annualcreditreport.com to do so. What about the people who do not have access to the internet? Think about it. And, you give up some rights of dispute when you use the online forum, if you read the fine print you agree to when you click "submit". Never do an online dispute, as you have no tangible proof that you made the dispute if it actually has to go to court. Do EACH disputed item separately, and send by certified mail, return reciept requested. Put the certified# on the letter itself and keep a copy for your records. This will prove exactly what you sent.
Billcoll01
MESA,#6Consumer Suggestion
Fri, January 11, 2008
AS OF FALL OF 2005 YOU ARE ENTITLED TO A FREE COPY OF YOUR 3 MAJOR REPORTS VIA AnnualCreditReport.com CHECK IT FOR ERRORS OR ID THEFT & GO FROM THERE. THIS SITE WAS SET UP BY THE 3 MAJOR REPORTING AGENCIES TO CONFORM TO THE LAW
Kae
Falcon Heights,#7Consumer Comment
Thu, January 10, 2008
Who is the original creditor? Could it be yours? Is it possibly the company changed names do to a sell or transfer or buyout?