Experian Ripoff Experian did not update my credit report 1.5 yr ago as they staed they would!! Phoenix Arizona

I have a different approach for you to take besides trying to go after the credit bureau...

Why dont you contact Waste Management FIRST.. Pick your favorite executive and call into the number below and ask for him/her....

1001 Fannin
Suite 4000
Houston, TX 77002
United States - Map
Phone: 713-512-6200
Fax: 713-512-6299

Leadership

Mr. David P. Steiner
Chief Exec. Officer

Mr. Lawrence O'Donnell III
Pres and Chief Operating Officer

Mr. Robert G. Simpson , 55
Chief Financial Officer and Sr. VP

Mr. James E. Trevathan
Sr. VP of Eastern Group

Mr. Duane C. Woods
Sr. VP of Western Group $

I would try two different approaches.. FIRST.. I would go for having the entire record removed off your credit report... Why? Because you had paid $51 to have roughly $48 returned back via company check.. I would make the case that their accounting department apparently misapplied one of your payments elsewhere and as a courtesy (due to their mistake), the negative item should be removed from your credit all together... FURTHERMORE, I would ask Waste management to put that in writing and state your account is paid in full...

SECOND.. If the first option does not work, then get a letter from Waste Management stating your name, account #, etc... showing your account is paid in full on company letterhead.. If you have this, then submit a written dispute with evidence (the letter from that company) and they will have no choice to update the record..

Guess what.. Experian is actually one of the better credit bureaus.. I am not surprised though in their level of customer service.. Remember, you are dealing with people that get paid a little more than people working at Wal-mart YET.. they are in control of our credit information....

I hope that helps... I do not agree with calling and starting stuff over and over again.. Waste Management is the key here.. MAKE THEM REMOVE THE ENTRIES COMPLETELY OFF YOUR CREDIT...

Also, one other thing... once your bankruptcy is over 3 years old (after being final), dispute it for whatever reason.. There is a good chance it will come off...

Your credit score lowering was both from their not reporting AND & the unfortunate bankruptcy filing / lack of credit since.

ABSOLUTELY begin writing to clear this up. Keep copies of everything, date everything. Written word is stronger than 'they said'.

As for obtaining credit for purchasing furniture, I'd advise against. Use credit sparingly or for emergencies, this is something I do now that I wish I'd done long ago. If you're trying to rebuild your credit, secure "loans" at your bank can be very effective, even if they're only $1000 paid over 5 months.

Cheers,

You need to dispute a credit item in writing, not on the phone. They then have 30 days from that date to verify the items. If they have been paid, then Waste Mgt will verify that they were paid and you should be good to go. You might want to call the creditor first ( Waste Mgt) just to make sure they don't show any old bill of yours still due.

Calling to dispute this though will do you no good. Don't wait years to check your report. You will be notified about the outcome of the dispute in writing as well.

You need to dispute a credit item in writing, not on the phone. They then have 30 days from that date to verify the items. If they have been paid, then Waste Mgt will verify that they were paid and you should be good to go. You might want to call the creditor first ( Waste Mgt) just to make sure they don't show any old bill of yours still due.

Calling to dispute this though will do you no good. Don't wait years to check your report. You will be notified about the outcome of the dispute in writing as well.

With the hit on your credit scores, you should try adding fake accounts. It is paramount to your scores by doing so. It's obvious these Heeb's won't fix your report. Experian is always the worst. If you filed in 2003, then plenty of time has elapsed to gain a full recovery.

There are a few sites out there that explain it in detail. These are LEGITIMATE as confirmed by mortgage experts who are concerned about credit inflation. I like to say, "a little sugar and fake accounts (the spice), makes everything nice!"

If you want to get one over on the beaurocratic bone heads, that is the way to do it. Manipulate the system in your favor!