Since I'm currently in AZ, I can't order on-line. According to another reader, NY residents also cannot order on-line. However, I just had a NY client order on-line successfully, give it a try if you're in NY.

If you CAN order, I recommend you do so because you get the report instantly and you can dispute on-line.

** Do NOT order that worthless Experian credit score.

** Be sure you can PRINT the report right away - you can only see it ONCE. So they say.

Here is how you get around it:

You need your Report Number in the top left-hand corner of your report, it is valid for 90 days from the date on your report. Make sure you write that down if you can't print the first time you look at the report.

Go to www.experian.com/consumer and select

Request an investigation

And click on "Begin investigation"

From there you "continue" and "agree" to everything until you are at the your "Welcome" screen.

PRINTING --

"Select the Printer Friendly button in the top right hand corner, then use your browser's Print or Save As features from the File menu."

I thought I was going blind - I just didn't see that button.

Finally figured out that I had to go to the How to Get Started page, then hit the back button .... and there was the "Printer Friendly" button exactly where it was supposed to be.

Don't know if that's just a temporary bug, but I logged in 3 times and it worked that way every time.


On-line disputes are SO easy

Several of my clients now did on-line disputes while we were on the phone and that worked really good.

Especially people who worry about composing dispute letters will be thrilled. All you need to do is click with your mouse on the check box "not my account" ... whatever the options are. It's like taking a multiple choice test.

The best part is that you

1) get notified of investigation results via e-mail
2) you can dispute inquiries
3) you can go check on the status any time yourself
4) the actual report is updated LIVE as results come in
5) the report number is good for 90 days.

Could it get any better? Well, it could be free - and there is one limitation:

You only have so many options, it doesn't work for unusual disputes.

Since the web sites often change, please DO POST any updates!

The one problem I had with disputing with experian online is that if you don't pick one of the multiple choice answers, you only have a few lines to write your dispute on. I had to keep going back and shorten what I was trying to say.

I didn't know that you COULD enter remarks, that's great.

I think if you have MORE than one sentence in your dispute, it's too long. An example of what to dispute in the remarks would be "Date of Status: 10/95 not 11/2001"

Dispute specific incorrect data.

If you want the CRA to be the JUDGE, you need to send them documentation - snail mail.

ALERT:

Just saw an account listed in the GOOD accounts section:

"Status: Paid in settlement."

That's WORSE than a charge-off

I do like the Experian online disputes but.....
Experian won't let you dispute the same account more than twice. Yes, I have changed the reasons with no luck. I have two accounts last disputed on 8/2001 that I haven't been able to dispute again. I wonder if there is a time limit such as 6 months between the disputes, or if they will dispute the accounts if you send a written dispute? Anyone know? Thanks.

I have been able to dispute accounts more than twice if I fax or mail the dispute in. Fax # is 972 390 3850.

Thanks, Kermie, that's good to know.

I was just trying to get back to the PRINTED report, but no matter what I do, that button is NOT appearing. It still worked yesterday, did Experian "fix" this so we really can print the report only one time?

Any workaround?

I came across this same problem too, however if you have printed it out before, you can simply type in the url indicated at the bottom of your report (you must be logged in first) and have the same results.

https://www.experian.com/consumer/cac/**_FullReport.jsp

** your personalized or session number here - mine was two digits

I pulled my report with score on 10/18. I disputed one item. I reviewed the report in detail and on 10/25 I disputed another item. Experian had me to check terms & conditions which of course I didn't do. They charged me an additional 14.25. Later on I did go back and read the terms & conditions & it siad it would charge an additional fee. BUT it doesn't say how much. It is really hidden. Especially since the other two CRA's tell you your report is available for 30 days. I put in the same number, but they still charged me. What should I have done? Who can I compalin to??!!

An update for ocatherine:

Since the new format was implemented, you CAN print the reports.

And for Alice, didn't you enter your credit card info to order the 2nd report?

What are you buying for $14.25?

Where?

As good and as busy as you are, thank you for a prompt reply. I went to www.experian.com & selected the credit report with score. The only option I saw was for $14.95. I selected that one and reviewed the report. I later went back in and did a dispute. It had me checking the terms and conditions which said it could charge me an additional fee. I didn't enter my credit card again. I didn't think about it until I THOUGHT I saw two charges on my bank statement for $14.95 each. After finding a number on your site to actually talk to Experian, I called them & they said it should not have charged me and to send in a copy of the bank statement. Went to my on-line bank statement and realized I must have originally looked at the statement at a time it was posting because there was only one $14.95 out there. (I fee dummb!) I spent a lot of time on your site though. I'm from now on, I'll use the Experian report on the MYFICO.com. Is there any way to call them for questions?

Alice, I'm glad to see you got your immediate problem resolved.

I'm pretty sure there is a number at the Fair Isaac site, definitely after you ordered.

However, while you might want to purchase the Experian with the FICO score once (I take it that you read that the Experian score is pretty worthless) - the Experian FICO does not give you a lot of info and the report format is awful.

Which reports to order really depends on what you want to accomplish, and of course what's on your credit.

You don't need to buy another Experian report for at least 90 days from the time you get the dispute results.

Repost from CreditFactors.com/

Recently Experian CHANGED again, and there's good news and bad news.

There's NO need to subscribe to their service after the initial 30 day free trial

1) Go to http://www.experian.com/yourcredit/index.html

2) Click on "Request online dispute"

3) Submit your personal info and the report # on that page. You HAVE to have a report number, that's why you subscribe to the 30 day trial, or you can use the number from dispute results. The number usually works for 3 months, and you get a NEW report number with the dispute results.

4) Once you're logged in, you should see in the upper right corner under the "Credit Report Toolkit" the "print your report" link.

And that's the NEW part, you used to have to print one account at a time. So there's really no need at all to subscribe to their monitoring service, until they fix this "bug." They might figure it out.

The bad news

Experian no longer reports how they age the account - they USED to include a notation with the deletion date.

-----------------------

The free trial 30 day trial referred to is linked at http://www.bayhouse.com/order-credit.shtml

You don't need it for a few months, whenever you don't have a valid report #, and hopefully you won't even have to deal with your credit by then.

Hello, Christine,

Here is a letter I sent to Experian for my Consumer Statement... They sent me a letter back and said they would like to resolve the matter, but havent heard from them since. Enjoy.

January 05, 2004

NCAC
P.O. Box 9556
Allen, TX 75013


Re: Consumer Credit Statement.

Since you refuse to verify that some items are inaccurate on my consumer report, I demand that you add this consumer statement in it’s entirety to my report. My statement will read as follows:

There are items on this report that this agency refuses to verify and delete due to inaccurate information. Most of the items are on this report due to violations by the CRA for non-compliance with the FCRA; i.e.: failure to verify the validity of an alleged debt. The consumer can provide documentation of the paid and inaccurate information. For the above reasons, the credit score you see on this report will not be accurate. If you are viewing this report without the signed consent of *************, you are violating his/her rights of privacy as stated in the Fair Credit Reporting Act and you could be subjected to legal damages.



Best Regards,

Hate to be the bearer of bad news, but credit scoring software doesn't read consumer statements.

I understand that you're trying to make them look bad, but do they care?

Well, we'll see.

"If you are viewing this report without the signed consent of *************, you are violating his/her rights of privacy as stated in the Fair Credit Reporting Act and you could be subjected to legal damages."

And that's simply false.

I know it's false, but the whole idea for the wild statement was to get their attention. At least the people that reads my credit report will see that they are incorrect in their reporting. As long as I have the documentation of the inaccurate info, I should be ok, right? Even with the last statement on there
"If you are viewing this report without the signed consent of *************, you are violating his/her rights of privacy as stated in the Fair Credit Reporting Act and you could be subjected to legal damages."
I basically wanted to see if they would add it, or if they even look at consumer statements at all when typing them in to our reports. I sent a copy of the letter to every email address and fax number I could find for Experian.

Like you said, We'll See.

They refused to re-verify the Judgements even after sending them the signed document from the courthouse. It said that all charges have been reversed as of 12/2001. Nothing negative is at the courthouse for them to report on. I have sent them 2 letters telling them of their mistake and all i get is the same old computer generated crap. They say that the claim has been verified 11/2003 and will not be verified again.

My lesson from this is if you know that you are right and have a case, dont wait until they send you a second denial to re-verify. Once you get the first one, sign the affidavit and get the ball rolling for district court.

Christine has a lot of the terminology posted around this site needed for the complaint. If you are having similar problems with a CRA, p[lease post on here a remedy.

Regarding the consumer statement, doesn't it have to be associated with a specific account?

Do you realize that MOST creditors don't see the report, just the scores?

Despite all this, I might actually submit a couple of consumer statements myself. I use my entire reports as exhibits in court, and there may be some benefits to having these statements.

I normally strongly advise consumers NOT to use these statements, but when you litigate, there may be some up sides.

"My lesson from this is if you know that you are right and have a case, dont wait until they send you a second denial to re-verify. Once you get the first one, sign the affidavit and get the ball rolling for district court. "

If you're in hurry, sure, you can file at anytime after they refuse to investigate and you can prove that the reporting is incorrect. But it helps to get additional ammo. I even disputed AFTER I filed and got MORE violations.

"Christine has a lot of the terminology posted around this site needed for the complaint. If you are having similar problems with a CRA, p[lease post on here a remedy."

I actually ask people NOT to post here. This forum is officialy closed and only open for updates to existing threads.

I'm very busy and don't have the time to constantly follow up to postings. For the most part, everything has already been posted, if something really exciting happens, I will update or start a new thread, but I'm limiting my discussions to http://creditfactors.com/ and http://forum.creditcourt.com/cgi-bin/discus/discus.pl

I don't know why so few people read my ANNOUNCEMENT: http://creditforum.org/announcement.php?s=&forumid=19

There are a number of public forums with literally hundreds of thousands of postings, including lots of false info and real bad advice and I don't see the need to expand on that.

I understand, Christine. By the way, take a look at this site...

You might want to move this post to a more appropriate post. I have found a list of many collections agencies with physical address, phone and fax numbers. The ones they dont want you to have!

http://www.state.nd.us/dfi//collectionagency.htmlhttp://www.state.nd.us/dfi//collectionagency.html