I need to change some personal info on my fraud allert so that i can finishing the financing paperwork on a new vehicle. the fraud allert i put on my report shows an old home phone number from 2000 and i need this changed asap or the financing will fall through.
2006-08-27 04:26:56 · 15 answers · asked by D C 2 in Business & Finance ➔ Credit
Experian 800‑493‑1058 TBD
Equifax 866‑640‑2273 Press 3 0.
TransUnion 800‑916‑8800 Press 2 at each prompt.
2006-08-27 12:06:40 · answer #1 · answered by STEVEN F 7 · 3⤊ 2⤋
For the best answers, search on this site https://shorturl.im/awkF8
Your credit report will show two things up to the end of that 7-year window. It will show the credit card account (as charged off/sold) and the collection agency's account. At the first day of the 8-year mark, the credit card listing on your credit report will fall off, but the collection agency listing will stay there because they are still actively chasing the money. You need to take a few steps: First, dispute the charges by writing a letter to the three bureaus, the credit card company and the collection agency. Request any and all information from the credit card company claiming that the card was never used and that no bill has ever been received. You'll want any and all records of what was bought, where it was bought, and if shipped, where it was shipped to. If the credit card doesn't have that information, the agency should becaus they have to prove the debt is yours somehow. When the credit bureaus contact the collection agency, the agency has to submit proof within 30 days or the bureaus will not put the account back on the report. The agency may refile to put the report back on, but you can counter that with letters to note the claim is not valid and has been previously removed as well as re-disputing the item with the bureaus. You will also want to notify the bureaus, the credit card and the collection agency that you may have been a victim of identity theft and since you comepletely dispute the charges that their next contact from you may be from a lawyer. Someone somewhere has to have deeper information on the account to lead you to find out what happened.
2016-04-10 08:45:26 · answer #2 · answered by ? 4 · 0⤊ 0⤋
1
2017-01-19 04:50:07 · answer #3 · answered by ? 4 · 0⤊ 0⤋
Equifax Phone Number Live Person
2016-10-07 01:27:18 · answer #4 · answered by ? 4 · 0⤊ 0⤋
Equifax Live Person
2016-12-10 19:56:52 · answer #5 · answered by ? 4 · 0⤊ 0⤋
I just got through to Equifax : ) It actually took like 3 minutes and they look your file up right away...The Equifax phone number to speak with a live person is 800-203-7843
No luck with the other one's yet.
2014-03-04 06:30:44 · answer #6 · answered by K 1 · 2⤊ 0⤋
All three numbers were totally worthless. None of them connected to a live person. What a waste of time!
2014-03-04 05:40:28 · answer #7 · answered by covtr 1 · 0⤊ 0⤋
i have been surfing the web more than two hours today seeking the answer to the same question, and I haven't found a more interesting debate like this. It's pretty worth enough for me.
2016-08-23 05:29:15 · answer #8 · answered by ? 3 · 0⤊ 0⤋
You're going to want a paper record of the conversation anyway. Send them a registered letter overnight.
2006-08-27 04:31:09 · answer #9 · answered by Veiled Splendor 3 · 0⤊ 0⤋
Personally talk to live person
2016-10-15 03:26:22 · answer #10 · answered by Anonymous · 0⤊ 0⤋