CreditCourt Forum 2004 Credit Suit Blog CreditCourt & BayHouse Newsletter BayHouse FAQ Fight Back!!! Forum CreditFactors CreditForum.org CreditCourt Forum

5/2/03 - The Mad Taper calls Equifax ... Log Out | Topics | Search
Moderators | Register | Edit Profile

CreditCourt Forum » Equifax » 5/2/03 - The Mad Taper calls Equifax to see how they verify accounts « Previous Next »

  Thread Last Poster Posts Pages Last Post
  Start New Thread        

Author Message
Top of pagePrevious messageNext messageBottom of page Link to this message

Christine Baker
Board Administrator
Username: Admin

Post Number: 815
Registered: 08-2002
Posted on Saturday, May 03, 2003 - 05:12 am:   Edit Post Delete Post Print Post    Move Post (Moderator/Admin Only)

Another great Mad Taper recording!

He asked how accounts that don't belong to him end up on his credit file. He was told that 2 out of 3 items need to match:

Name - address - SSN

When you dispute, they provide those 3 items to the data furnisher. So, if a collector doesn't have your SSN, they have it after the dispute. (Of course they could also get your SSN from the credit report.)

Mad Taper wasn't too happy with that, since Equifax is providing his SSN to some company that he's never dealt with.

He also found out that most furnishers get the disputes electronically, but some are faxed or mailed.

He was told that a creditor HAS to provide the original application, statements, etc. We all know that unless it's a collector, that often is just not happening.

Mad Taper complained that he has to prove that it's not his account, why doesn't Equifax do the verification?

"They don't have to provide Equifax the information. All we do is send out a 3-digit dispute code, they send back a response in a 3-digit dispute code. They don't provide us the information, it's not relevant to Equifax, it's relevant to the consumer."

To save the file, RIGHT click on the link and choose "Save target as" and then browse to the directory on your drive where you want to save it. If you have any problems, please post.
Top of pagePrevious messageNext messageBottom of page Link to this message

Christine Baker
Board Administrator
Username: Admin

Post Number: 829
Registered: 08-2002
Posted on Tuesday, May 06, 2003 - 05:22 am:   Edit Post Delete Post Print Post    Move Post (Moderator/Admin Only)

5/2/03 - Mad Taper Equifax re. verification

audio/x-ms-wma5/2/03 - Mad Taper Equifax re. verification
Equifax.wma (774.8 k)

Add Your Message Here
Post:
Bold text Italics Underline Create a hyperlink Insert a clipart image

Username: Posting Information:
This is a private posting area. Only registered users and moderators may post messages here.
Password:
Options: Enable HTML code in message
Automatically activate URLs in message
Action:

Topics | Last Day | Last Week | Tree View | Search | User List | Help/Instructions | Program Credits Administration