I've just tried this for a friend again, and it worked like a charm.

I knew he had an authorized user account with at least one CRA. As we needed to have it deleted, I just sent the dispute letter to all 3 bureaus, and a few weeks later he got the freebie reports.

I do this occasionally for neighbors without a lot of extra $$$ and it usually works well. If the disputed account wasn't reported, they sent their report as evidence.

Good deal - if you got the time to wait for your reports and are willing to take a chance.

You don't have to get DECLINED to get your free report.

As long as you know that you had a credit inquiry by a certain company within the last 60 days (I've gotten reports even 90 days later), you can ask for your free report.

The CRAs have NO idea whether you were approved or declined unless a new account by that company is already reported.

Haven't done that a lot, but it's worked a few times.

I have a problem doing that in Fl. with Experian. The local bureau who handles Experian (Credit Data Services) only send the account that you disputed and not the full report.

How do you interpret THIS excerpt from

http://www.ftc.gov/os/statutes/fcra.htm#611

"(6) Notice of results of reinvestigation.

(A) ....

(B) Contents. As part of, or in addition to, the notice under subparagraph (A), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph (A)

(i) a statement that the reinvestigation is completed;

(ii) a consumer report that is based upon the consumer's file as that file is revised as a result of the reinvestigation;"

I think it means that the CRAs HAVE to provide a new credit report. Only if the report is revised?

Have you had account updates but still no new report?

Quote:
Have you had account updates but still no new report?

Yes but they just print the account that was updated and leave out the rest.

Unfortunately the FCRA says a consumer report that is based on the consumer's file, not

a COMPLETE consumer report that is based on the consumer's file.

I think it would be difficult to argue the point in court.

Well, ok, in that case, the best I can think of is:

dispute everything!

Got my first dispute update from Experian that contained ONLY the disputed accounts. Too bad.

As posted above, if you applied for an account or you had any inquiry, ask for your report then.

That would be especially true for insurance inquiries, no open insurance accounts are ever reported.

Since insurance inquiries don't count for Fair Isaac's scores (as per Fair, Isaac) the only problem is figuring out which report they run. Maybe they'll tell you on the phone.

I just checked at John's site at http://www.millcbs.com/ and Allstate was listed. Check it out!

I interpret it dfferently, and I think you should b-sue (Baker style sue, you know the drill ). My evidence:

603-g
JAA

I've always wondered what "fraud" exactly means.

If somebody reports a collection, but it is not a valid collection, is that fraud?

I actually tried to get my free report from TU a few weeks ago, I checked the "fraud" box online, but then was told I had to request the report by mail. Well, I didn't have time for snail mail ...

Now if you SUE for your free report, you better have a lot of time! I might do it sometime, just to make a point.

Note that it took TU over 3 months to investigate my disputes AFTER I sued.

Also, want to clarify that I was kidding when I recommended disputing everything, you might lose some GOOD accounts and cause some serious damages to your reports.

I can't access TU online now because I sent an intent to sue letter to the legal counsel in Philadelphia, which handed the matter over to the Senior Paralegal at TU. I called today to just get my score (4 deletions) and was told NOBODY can "access" my file now. What a crock!!! I am so ready to file on them, they have until Wednesday and they are in line with the other 2.

I wished you'd gotten THAT in writing!

BTW, I'd really appreciate some legal or paralegal contact info for TU, posted or e-mailed, to add to the CRA page. All I got in response to the suit is outside lawyers.

People don't know where to send their pre suit settlement offers and letters of intent to sue.

FYI:

My point was that according to thte term 'file' you should get your entire report. Not just the accounts disputed.

JAA

"(ii) a consumer report that is based upon the consumer's file as that file is revised as a result of the reinvestigation;"

I see what you're saying, but does the "consumer report" have to be complete?

It's "based upon the consumer's file" -- I don't know ...

This is totally off topic, but here's what the California Civil Code says:

http://www.leginfo.ca.gov/cgi-bin/d...1786.50-1786.56

CIVIL CODE
SECTION 1786.50-1786.56

"1786.50. (a) In addition to the penalty specified in Section
1786.20, any investigative consumer reporting agency or user of
information that fails to comply with any requirement under this
title with respect to an investigative consumer report is liable to
the consumer who is the subject of the report in an amount equal to
the sum of all the following:
(1) Any actual damages sustained by the consumer as a result of
the failure or, except in the case of class actions, ten thousand
dollars ($10,000), whichever sum is greater."

What does this mean? The MINIMUM damages in California are $10,000?