My credit file updates

Sorry for not posting my credit report outcome sooner. I have been so busy with work and side work, and really working hard to build my savings back up. I did over the course of the weekend get thrown off because of the shuttle launch, which I think is the neatest thing in the world to watch. So anyway, working long days and nights, combined with 4am wake ups 2 days in a row for shuttle launches(the first one got delayed) has really thrown me off–sorry.

Experian: They were the ones who really had everything all screwed up. Well, they mailed me an updated credit report last week and I am somewhat happy with the outcome… so far. All the really crazy stuff was taken off, but the things I initiated a dispute about are still “pending”—all except for the other bankruptcy that was showing up—that’s gone. Now, that all that whacked stuff is gone, I can finally dispute my own account info that is reporting wrong. There are a few things that are showing charged off, when in fact they were included in my Chapter 7 bankruptcy. That stuff I can do an online dispute for.

The other girls employer info and phone number still show up on my credit report too. I tried calling Experian, but was on hold for way too long, and eventually hung up. This stuff is minor, so I will do the online dispute option for that as well. Let’s see though if they are going to erase those things I started a dispute about. Why did I do that? Well, you live and learn…

This is a lesson for anyone who may find themself in a similar situation as mine–DO NOT DISPUTE MIXED UP CREDIT FILE STUFF ONLINE–CALL THE CREDIT BUREAU that is reporting the inaccuracies. Now, I am not talking about a few minor report screw-ups, I am talking about having tons of wrong info on there. If you have way too much stuff that does not look like right on your credit report like other birth-dates, social security numbers, etc. that are obviously not yours, there is a problem.

Transunion: They emailed me to tell me that all of my info is reporting corrrectly now. And yes, it is all good.

Equifax: Haven’t heard a thing since I initiated my disputes.***update 3/1***my error! Since I obtained my Equifax report a different way, they did not allow me to dispute errors online. I filled out the paperwork but never mailed it in(I just found it in a pile of paperwork…ooops!). Totally 100% my fault! Now that 30 days has passed, I am going to get my free Equifax report (without the score) and dispute online rather than doing it by mail.

So there’s my update on my credit reports. The only thing I am not too thrilled about is the way my house short-sale is reporting on all 3 credit reports. One shows my short sale as a foreclosure–but then in the status part is says: Paid in Settlement. Apparently this is going to report until 2014 like this. They all word it differently, but it basically means the same thing: foreclosure. I am not sure if I should pursue getting that “foreclosure” off of there or just leave it. Hmmm? With so many home short sales in the past several years, they should really have an option for that, instead of automatically putting “foreclosure”. I don’t like that word. I didn’t go through a foreclosure, I sold my house for less than I owed the bank.

Let’s see what Equifax comes back with and then I will take it from there. And only time will tell if Experian ever gets my report 100% right.