anees ahmed writes: i need to write to you get a credit report.. pls forward me a form and your address.

thank you

Fernando I. Rodriguez writes: Hi,
I am not one to criticize, but I called the phone number listed and it has no option to talk to a representative. It has the worst menu options I have ever seen for a business. It apprears like you are hiding from customers behind menu options. It is very upsetting. The only reason I will keep trying to contact you is because a report from you that contains a questionable unpaid bill is preventing me from renting an apartment. If a real person (fro a change) reads this, contact me at (608) 239-2346. I would appreciate it and would diminish my negative expreince so far.
Fernando Rodriguez

If you have not resolved your problem, contact me. I can tell you your remedies.
JoAnn@creditcorrection2heaven.com

Ashleigh writes: I too tried to get in touch with a real-live person at the 888 phone number provided and went through too many options before just hanging up in frustration. I'm not sure how to clear anything up on my report through them.

If your problem has not been resolved contact me.
JoAnn@creditcorrection2heaven.com

david colbert writes: well i would like for experian to email me to let me know that they have took the lien off of my credit report please as soon as possiable, thank you because IRS sent me a letter stating that the lien was released......

Even if your lien has been released, the Credit Reporting Agencies won't take it off. They will simply report it as being not paid or paid if provided documentation. They don't just automatically update your information.
JoAnn@creditcorrection2heaven.com

Anonymous writes:

Jodie L Kelly writes: I can not access the dispute screen and it keeps saying that I am entering the wrong info. I have called and spoke to a live person twice. The first one seemed helpful but ended up not being. The second one stated he could not help me and gave my equifax number. If I needed their number I would have called them.

jesus dondiego writes: I NEED A CREDIT REPORT FROM YUO AS I HAVE DETECTED SOME RATINGS THAT ARE LESS THAN FAVORABLE I HAVE DISPUTED THIS IN THE LAST 30 DAYS TO THIS DATE NO RESPONSE FROM YOU ALL PLEASE CONTACT ME ASAP.

If you have not resolved your problem, contact me.
JoAnn@creditcorrection2heaven.com

Robert writes: I am reitorating the previous comments. A live person would be more helpful and make it appear at least that your company recognizes that it's success is directly linked to it's customers. The same customers that can not reach the company in person.

North Carolina writes: iF YOUR COMPANY IS GETTING SO MANY NEGATIVE RESPONDS, WHY WON'T YOU GUYS DO SOMETHING ABOUT IT. I ALSO WAS LOOKING FOR AN ADDRESS AND HAVE YET TO LOCATE ONE....

The Credit Reporting Agencies will have to investigate when a dispute is submitted. Under the FCRA you have certain rights. They change addresses often. This really confuses consumers.
They are paid by our creditors, not the consumers.
JoAnn@creditcorrection2heaven.com

Ottie from Maryand writes: I live in a State where one annual report is free, but you have to order it over the phone and wait for snail mail. If it's free why can't I just get on your web site without paying? If you can get it free online you people sure make next to impossible to get to where you need to be to view and print your so called free report.

Michigan writes: So I recently bought a credit report from experian.com and wanted to dispute some items. After about 7 total hours of researching who to contact I came up with this (since the general 1-888-397-3742 has no ability to get to a live person or even dispute items from that number). Call their corporate headquarters and as to speak to a rep. about a dispute. (714 830 7000). They will tranfer you to a person that can help. Or you can call 1-888-888-8553. If you bought a credit report from credit expert or consumerinfo.com (which both come from the experian.com web site) its harder to dispute because you don't get a file number. But if you goto www.annualcreditreport.com you can get a free one with a report number so when you call the corporate headquarters its easer to dispute. Not all states are able to get a free report as of yet. If you need to mail something to experian the address is:
Experian
PO Box 9701
Allen, TX 75013
... you must include your name, address, S.S. #, Date of Birth, and last to addresses lived at. Hope this solves any confusion that anyone has, I know I've had on hell of a time finding this out. Feel free to e-mail me if you have any questions ... cotton@rays-flooring.com ... later

Very good information. When disputing negative items, dispute all items. It is the Credit Reporting Agencies that have to prove the information has been reported correctly, not you.
JoAnn@creditcorrection2heaven.com

hey thank you for the infomation i am also having problems trying to speak to a real live peron

Kyong Nan Jones writes: I sent a credit disput by snail mail to
experian and it was returned as not deliverable as addressed. the address was P.O. BOX 949 Allen, Tx 75013. I have tried for three weeks to locate the correct address and have been unable to. If they control our lives so much with the credit score then why don't you have a correct address. WHAT ARE YOU HIDDING!!!!

Allen Radman writes: Hi, I have hard time to talk to a representative, would you pleas send me an e-mail and let me know how can I dispute by phone, online, or mail, and how can I have the dispute form. I need all posible information.
Thank you so much

If your problem has not been resolved, you can contact me.
JoAnn@creditcorrection2heaven.com

robin harrison writes: where do you send a dispute report to with Experian. I have sent dispute forms registered mail to the addree on there dispute form but always get it back undelivered. please help

Anonymous writes: USE THIS PHONE NUMBER! THEY PICK UP!

1-800-583-4080

Anonymous writes: Definitely use the phone number 714 .830.7000 to get a live human. Had to sit on hold for a few minutes, but they were very friendly and helpful.

Tommy Holly writes: OMFG!! I tried to contact a human for over a week with no success. Experian would not take something off my record for 2 years now even though the other 2 agencies have taken it off a long time ago and my Bank even tried to help me too. Finally I got a hold of some phone numbers and they had me try to register online but they would not take my Bank's credit report # as a valid credit report. (Experian reports are the only ones that they will use.) My choices were either A. Pay Again for another report which should be free. or B. Go "F" myself.

luckily I found this website!! THANK YOU ANONOMOUS! ^^

I called that number. They picked it up first try and I talked with a human who found my report instantly and gave me a report number right over the phone. They were able to dispute everything on the spot! Here is that number:

1-800-583-4080

T man writes: This number works to talk to real people, it just takes some time to get through the robots! I don't remember which option I picked, but eventually it told me to stay on the line to talk with an operator. It took some serious patience, but I got my problem taken care of, they even took care of one dispute on the spot! Thanks to whoever posted this number!

1-800-583-4080

anh writes: Lots of thanks to the person who posted (800) 583-4080.

Press 1 to "dispute an item". It takes sometimes to get through the automated system if you don't have a report number. When ask to enter a report number, you can either punch in some fake numbers or nothing and the system will say it doesn't understand you (right!!!!). After ~7 times or so (don't hang up), it will give up and forward to you a representative (whew).

Once you reached a live person, he/she will ask for you personal information: name, address, ss#, phone... and give you a report number. Then you guys can talk about your problems.

For my case, since my file was somehow contained another person's information, they forwarded me to another number to resolve the issue.

Anyhow, this took me a day to fix this problem. Their web site sucked really bad. Good luck and thanks. -anh

kb writes: anh -

You said: "For my case, since my file was somehow contained another person's information, they forwarded me to another number to resolve the issue."

We are having the same problem with my wife's file.....suddenly Experian (and only experian) are showing atleast 5-6 accounts that look to be someone else's.

Did you get this resolved? Did they realize that it wasn't a fraud case, but a bad data in their system issue?

-kb

The Credit Reporting Agencies make a lot of mistakes. Unless you dispute them, they remain.
JoAnn@creditcorrection2heaven.com

anh writes: kb - after talking to the rep, he basically deleted the other person's credit history that were on my file. I would get another copy of the report to verify within the next 30 days or so.

The good thing was other history items all contained his/her ss#, which was different from mine. Therefore, the verification process was painless. However, if this were not the case, Experian or I would have to contact all the creditors to clear things up. This would take 30 to 45 days.

They realized that it wasn't a fraud case but they did not admit that it was their system or whatever screwed it up ....

Yep, only Experian screwed my report as well ... anyhow, good luck. I hope that answered your questions. -anh

anh writes: got another number (800) 493-1058, which is from my report and the same as the other one. They're open from 8 to midnight, central time.

Anonymous writes: The number 800-583-4080 got me through to a representative. Thanks so much! I sent a certified letter to Experian to dispute the incorrect information on my credit report at PO Box 9595, Allen, Texas and the letter was returned: "Box closed. Unable to forward. Return to sender." I asked the rep at the Special Services which PO Box number is correct and she answered: They all are! This is unbelievable!

File a complaint with the FTC (Federal Trade Comission)

Experian was fined in 2000 for not answering their phone back then. Maybe, what we need is to start writing the President and cc the news media. Something needs to be done this this company.

John H. writes: John writes: John writes: I finally got a good address for disputing information on your Experian Credit Report. I talked to a customer service rep at www.ftc.gov and was given this address:

Experian
P.O. Box 2104
Allen, TX 75013

I find it quite odd that they hide their mailing address, even from those who've paid for a credit report. I'm disturbed that the government won't step in an make them disclose the information on their website. Amazing how someone can keep information on you and not be held accountable for providing an easily found address or phone number to contact them for dispute resolution. My two cents on this matter: You only hide when you have something to cover up, or when you know you're wrong.

John H. writes: John H. writes: John writes: John writes: I finally got a good address for disputing information on your Experian Credit Report. I talked to a customer service rep at www.ftc.gov and was given this address:

Experian
P.O. Box 2104
Allen, TX 75013

I find it quite odd that they hide their mailing address, even from those who've paid for a credit report. I'm disturbed that the government won't step in an make them disclose the information on their website. Amazing how someone can keep information on you and not be held accountable for providing an easily found address or phone number to contact them for dispute resolution. My two cents on this matter: You only hide when you have something to cover up, or when you know you're wrong.

PAM OKC writes: WHAT IS YOUR ADDRESS? WHY IS IT SO HARD TO FIND????? I SENT A WRITTEN REQUEST FOR A DISPUTE ON AN ACCOUNT PAID 3 YEARS AGO THAT IS SHOWING AS COLLECTIONS. OBVIOUSLY, THIS IS VERY DISTURBING TO ME. MY LETTER WITH THE ADDRESS P.O. BOX 2104, ALLEN TX. 75013 WAS RETURNED BY THE US POST OFFICE INDICATING THAT THIS BOX WAS NO LONGER IN USE AND THERE WAS NO FORWARDING ADDRESS. STRANGE THING FOR A BUSINESS THAT IS NOT SHUT DOWN.

Anonymous writes: I just tried to order the online credit report, but it says that their system is down, and to mail my request to the following address:

Experian
PO Box 9702
Allen, TX 75013

I, too, dent my disputes to the PO Box 9595 and it was returned, so at least we know that this is a working PO Box as of today - I am going to resend my disputes to this address.

You can also order by phone. 1-888-397-3742

JoAnn@creditcorrection2heaven.com

Mary writes: Mary writes: it is amazing that they can ruin our credit and we have no recourse to get it fixed!

You do have recourse under the Fair Credit Reporting Act. It is a shame it's not reported correctly to begin with. Dispute negative items and let them prove they are accurate.
JoAnn@creditcorrection2heaven.com

Jennifer writes: Has anyone had any luck getting anything cleared up through Experian??? Has anyone looked into submitting ligitament complaints to the government?

Yes, but you have to know the language and be persistent.
JoAnn@creditcorrection2heaven.com

Jennifer writes:

After a bit of research, I found this website....

http://www.ftc.gov/opa/2004/04/cra.htm.

Seems as consumers, we do have some rights available to us regarding our credit handlings.

Please all of you that feel far from satisfied with any experiences you've had to date with Experian, I urge you to report them to the FTC. I deserve to be able to go on with my life and not have this credit agency destroy all my financial goals, dont you?

Best of luck to everyone. (but Experian that is)

Yes, you should report to the FTC. But ultimately you will have to dispute items with all 3 Credit Reporting Agencies to get results. The FTC sets up the guidelines, but consumers have to bring it to the attention of the credit reporting agencies they the information has not been reported correctly.

As I read the different experiences, don't forget there are 3 Credit Reporting Agencies.
You need to check all 3 credit reports and dispute negative information on all 3. Each agency reports separately.
If your credit score is under 600 you have some serious credit issues. Your score should be at least 660 or you will pay higher interest rates even if you qualify for credit.
Just 1% more on a mortgage loan will cost you thousands of dollars more in payments.
Bad credit can cause you to be turned down for a job or insurance.
JoAnn@creditcorrection2heaven.com

I just pulled my Experian CR (the $9.50 single) for the first time. What a mess!

I'd done Equifax last May, and disputed several mistakes there, got things cleared up just fine (they were debts discharged in my 1999 Chapter 7 Bankruptcy being reported as still delinquent or just written off).

Now, today, I see on Experian that these same debts that were discharged back in 1999 are now showing "Last Reported Activity" dates of 05/2004!

It seems like disputing items resets the LRA date to the date of the dispute?? So the Drop Off date keeps getting pushed back?

I have had no luck at all getting to the Dispute Items Online portion of the Experian website, I just keep getting a screen that says something about being sure to report disputes to all three CRAs. Of course the provided phone numbers are useless. I'm going to try the numbers provided by the folks here (THANK YOU!) and I'll report back.

Also, this business of providing bogus PO Box number addresses is absolutely heinous. I can tell you that the PO in Allen, TX is not so large that a Postie sorting mail wouldn't know which boxes belong to Experian. The only way that mail addressed to bad PO Box numbers for Experian are being returned is if Experian has SPECIFICALLY request the PO not to "forward" mail to the correct Box. I know for a fact that if mail is addressed to an incorrect box number, the PO will normally try very hard to get the mail to the recipient whose name is on the envelope.

Sounds a lot like intentional fraud, if you ask me. Heck, if a consumer kept changing their PO box number to dodge mail, they'd be accused of fraud, wouldn't they?

Grrrr!!!

I have a general question. I have too many open credit cards that I don't want. If I destroy several of them at the same time and notify the companies, does this hurt my credit score.
Becky Reid

I have received this adress from my attorney I haven't mailed to them yet but here it is

NCAC
Attn: Dispute Resolution Department
P.O. Box 9556
Allen, TX 75013

I have a fraud case on a credit card. I filed a police report and then sent the report to the complaining retailer (Wachovia Bank) 3 times, as well as to Equifax.

The bank claimed they lost it the first 2 times. My credit score went from 832 to below 600 based on the fraud, which I paid off just to get my score back up. No such luck. Wachovia Bank refused to correct the injustice. The 3 credit reporting bureaus
just refer you back to the retailer and if the retailer does not investigate you are screwed.

Has anyone had any luck with the NCAC Group? By the way Experian is also located in Allen, Tx.....what is the likly hood that they are connected? I have had to hire an attorney to clear up this injustice. I have tried for over one year with the bank with no luck at all.