Didn't want to hijack Alan's thread so I'll start my own.

I signed up for a home equity loan the other day with Wells Fargo to consolidate some loans and lower interest rate. Anyway, when the guy pulled our credit with Experion, he said our score was fine, but noticed that every one of our loans was listed twice. This sucks for my debt/income ratio. I have 2 127k mortgages, 4 auto loans, and 2 credit cards

I tried calling Experion, but its a huge cluster fuck in which you will never speak to a rep. It appears the only way to get this resolved is for me to pay for a copy of my report and formally dispute this. This is pure BS since its their screwup in the first place. Anyone got a better idea here?

 

best credit advice i ever got was from www.creditnet.com - join their forums.

 

Guess what ?

Your other two credit bureau reports probably have completely different info. on them.

I have mastered the art of fixing a screwed up credit report. It started with mine that had tons of incorrect info. on it years ago and now I lend help to customers when they need it.

The quickest way to do it in a nutshell is as follows:

Get the number for Experian.

Call them and choose the "if you have been denied credit option" from there phone menu.

It will ask if you have been denied credit, blah, blah then you can get a free copy of your report. Choose this option.

You will then be prompted to give your personal info. to get your report, do so.

You will get a copy 7-10 days later and in that copy will be a dispute form. Correct everything with this form. And I mean everything, the dumbist things can screw your beacon score. Make sure your past addresses are correst and delete ones that don't apply. Make sure no one has ever marked you down as being late once and you were not.

Then send in this dispute form and the bureau has 30 days to correct the problem.

On the 31st day call the bureau again and have your report handy. There should be a special number you can call to check your investigation status, this phone number is not listed anywhere else. You will be prompted to punch in your report number on the phone after you call this number. After you do so you will get connected with a live human ! :o

Check the status of your investigation. Any creditor that has not replied within the 30 day window looses the opportunity and now the bureau will correct it however you say !

The double info. stuff usually gets fixed right away so do not fret over it.

Then repeat the same process with the other bureaus.

Have any other specific questions PM me.

 

So even though I haven't been denied credit I can get a free copy of my report? I don't know if I was denied for my home equity loan (I kinda doubt it), but how will Experian know this?

 

They have no way of tracking whether or not you were denied credit, every company makes there own decision and Experian just provides the info...

I have received a copy this way probably a dozen times. Now I have the ability through my office to just go get my own.

Don't bother getting a letter about your mortgage, the bureau will remove it as soon as they see it.

 

Scott is pretty much right on.

on that website i posted they have full kits of all the paperwork and "canned" letters to send etc etc..its a relatively involved process, but on the other hand its not that difficult, you just have to be organised.

 

No problem, let me know when you get the report and I can walk you through the things to look out for on your report and how to get rid of them.