Experian Followup #1

Experian's round-trip time is pretty darn quick. The problem is that they don't seem to always address the question I send them.

I received their first response back after about two weeks. They have me down as having a credit card with a company that I've never had a credit card through. I called this credit card company, which was unable to find proof that that was my debt, and also, sent me a letter stating they did not have proof of my account.

I sent this letter back to Experian, and got back that this "was not sufficient proof", and that they're "conducting their own investigation to conclude within 30 to 45 days".

Being they already investigated this the first time and said they checked with the bank, I'm moderately salty they're going to take over a month to make a check that took me four days roundtrip. I'll post back how this one goes.

Site Up

The website is up, and the explanation is fairly complete.

If there's anything that doesn't make sense or could be clearer, please let me know.

If you have experience with the process, and can give feedback, it'd be much appreciated.

(Thanks!)

One Month In, One Down

So, after a month:

• Transunion came back a complete success. My record is clean with them now.
• Equifax has a few things left to work on. Sent a follow up letter yesterday.
• Experian has a few things left to work on. Sent a follow up letter yesterday as well.
  

It's April 1st, and I'm home sick from work with an awful cold, so I decided to type up this website to explain what I did to my friends. If it helps at least one person, well, it certainly beat the heck outta daytime television. Once I hear back from Equifax or Experian, I'll post here and let you all know how it went.

Transunion jumped my credit score from 600 to 737, which was *amazing*. I cancelled my account with TrueCredit, their ongoing reporting service, as soon as I figured out this was about as good as it's going to get.