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You are here: Home / Archives for credit report

Missing a Requested Credit Report

August 11, 2013 by Tracy

Missing a Requested Credit Report
Missing a Requested Credit Report

Photograph Credit: Fotolia

Losing thing makes me obsessed with finding the item. It’s like everything else gets blocked from my mind until I find the object.

Thankfully, this does not happen often. When it occurs, I will not stop until I find it which was the case with missing a requested credit report.

Missing a Requested Credit Report

In preparing to check our second round of credit reports, I checked our credit report file for the dates of our last reports.

As I looked, I was shocked to discover that the TransUnion report I ordered back in February was missing. OH, NO!!

In working through my panic, I checked the entire file opening and the surrounding sections. Not finding the report, I checked my desk where visions of tossing it in the trash enter my thought processes.

By now, I had worked myself up thinking of worst-case scenarios. Concerned that our mail might have been stolen, I contacted TransUnion.

To my relief, they never received my request, so no missing report. Aah . . . the sigh that relieved my panicked-stricken heart and lowered my blood pressure all at the same time. Whew!

Adjusting after Missing a Requested Credit Report

Now what to do? If I requested a new report, then I will need to reconfigure my rotation schedule. In considering other options, I turned to my FREE credit score with Credit Karma.

When I check my credit score, I can generate a FREE credit report through my account. Because Credit Karma is not a reporting agency or credit bureau, I can request my FREE credit score on time next year through AnnualCreditReport.com or 1-877-322-8228.

Though I was missing a requested report, the information was not relayed from Annual Credit Report to TransUnion. Thankful that my report was not in someone else’s hands, I have now added to my calendar an entry 3 weeks after requesting my credit report. The entry reminds me to check for those reports. This way, I can contact the company immediately to check on the status.

As you organize or maintain your important documents, check on your credit report order placement. If you are missing a requested report after searching your home, then contact the company to inquire. If they sent it and you did not receive it, then report it missing.

If you missed your scheduled time period, then check Credit Karma for TransUnion or Quizzle for Experian before requesting a credit report. By checking Credit Karma, I saved money, energy, and time from ordering another one and disrupting my schedule.

For those of you who request your FREE credit reports through the link on-line, you won’t find yourself missing a requested credit report. After this experience, the on-line option is beginning to look like a better way, but I’m not quite there yet. Happy requesting!

Question: Have you experienced the panic of missing a requested credit report?

Filed Under: Document Organization, Credit Reports, Credit Report/Cards, Box 1 Tagged With: credit report

2012: First Credit Report Update

March 4, 2012 by Tracy

Photograph Credit: Flickr (Dan Eriksson)

By checking your credit reports, you can verify correct information and current accounts. With identity theft on the rise, taking initiative to check your reports from the three credit bureaus will alert you to any new, unauthorized accounts.

If you are following my recommended schedule for requesting your credit reports, then check the date of your last credit report.

Be sure to wait at least one year from the date of your last report. If you make a second request within one year, you will be charged for the second request. When you ask for your new report after last year’s report date, your new report will be free. 🙂

In using time wisely, I request our reports every 4 months. This month, I requested Paul’s Experian report and my TransUnion report. Though the request options include web site and mail, my preference is by phone. Our reports will arrive by mail on the official letterhead within 2 weeks.

When the reports are in hand, I will do the following:

  • Review for errors
  • Challenge discrepancies
  • Run a free Experian credit score for Paul
  • Run a free TransUnion credit score for Tracy
  • Replace last year’s reports with these accurate reports with scores in the first file slot of Box 1 of my important documents
  • Put file box away until June’s credit check

Running the free credit reports keeps you informed of your active accounts and alerts you to any authorized new accounts. To protect your identity, request your credit reports on a rotating schedule. Happy organizing!

Question: Which credit scores will you request?

Filed Under: Credit Reports, Document Organization Tagged With: credit report

Credit Check-up: October 2011

October 23, 2011 by Tracy

2013: Third Credit Report Update

Photograph Credit: Flickr (Dan Eriksson)

Before continuing with the last file opening in Box 1 of my important documents, I need to do a little maintenance. Having ordered our credit reports this past week, I realized I had not posted a friendly reminder this month.

If you are following my recommended schedule for requesting your credit reports, then it is time to check another report from a credit bureau. You may make your request by phone, mail, or through their web site.

Before ordering your credit report, be sure you have waited at least one year since your last request for that report. If you make a second request within one year, then you will be charged for the second request. With the option for a free report each year, you do not need to pay a service fee for your report.

In using time wisely, I request my husband’s and my credit report every 4 months. By alternating which report is checked, I can keep an eye on any irregularities throughout the year. This month, I requested Paul’s TransUnion report and my Equifax report.

When the reports arrive by mail, I will review them for errors. If a discrepancy is noted, then I will dispute it. If all is correct, then I will replace this report with last year’s record in the first file slot of my Box 1 documents. I will also run a free TransUnion credit score. After comparing this score with last year’s record and noting any changes, I will file this record with the current credit report. The file will then be put away until February 2012.

By using time wisely and keeping my important documents’ file organized and up-to-date, I can easily find items needed within a short block of time. In the event I need to access these records, I will have accurate information at my fingertips. Keep plugging along. Your investment of money, energy, and time in getting these documents organized will save you frustration, headaches, and irritation in the future. Happy Organizing!

Question: How many discrepancies are your finding in your credit reports? Looking for your answer. 🙂

Filed Under: Document Organization, Credit Reports, Credit Report/Cards Tagged With: credit report, Update

Credit Cards: Closed Accounts

April 17, 2011 by Tracy

Photograph Credit: Microsoft Images

Today I will complete the first of four categories housed in Box 1 of my important documents. I use an accordion file, and this first box contains four tabs with the names of each category. The first tab reads, “Credit Report/Card Documents.”

Three of the accordion file slots contain information under this topic. The first file houses our credit reports and FICO credit scores. The second file holds copies of our active credit cards and accompanying documentation. The third, and final, file slot contains closed account letters from corresponding credit card companies.

When Paul and I joined our finances after marriage, we each had individual accounts. In an effort to consolidate our accounts, we closed most of our accounts. We kept open the oldest account for each of us.

Our reasoning – the FICO score is based on a number of criteria. One of which is the length of time you have held an account in good standing. To keep our FICO scores as high as possible, we kept open two of our individual accounts.

CLOSING ACCOUNTS

As I closed our accounts, I requested that the bank or issuer send a letter stating that “our account was closed by consumer.” I then placed these letters in the third file of my Box 1 documents under the category of Credit Report/Card Documents.

AFTER CLOSING ACCOUNTS

After receiving our credit report(s), I checked the closed accounts to verify that one of these comments was listed: “account closed at consumer’s request,” or “account closed by consumer.” Having this comment shows any potential creditor that my account was closed at my request rather than by the lender for inactivity or past due balance. (Since most creditors look at your credit score rather than your credit report, some people think that this distinction does not matter. If you apply for a mortgage, line of credit, large personal loan, or car loan, then the lender will pull the full credit report, and the comments may be a factor. Even though I do not plan to apply for more credit, I prefer to err on the side of being too careful than not careful enough.)

I also review our credit reports to see all of our closed accounts. These accounts will continue to report on your credit report for up to 10 years. I then check my closed account letters to be sure I have a corresponding letter for each account closed. If I am missing a letter, then I contact the issuer and request a letter stating that the account was closed by consumer.

When I went back to request two of these letters for old accounts that had been closed, I did have two companies who had purged their files. One of these was my first credit card which was co-signed by my parents. Since the bank account to which the credit card was linked was no longer active, I had to work my way up the chain of supervisors until I received my letter. You may not be as persistent. But if there ever is a problem with that account, I have the documentation to back up my standing.

TIP: Requesting the closed account letter at the time of closing the account saves lots of time and energy!

Setting up this first category is very time-consuming. I worked for about 2 – 3 months to get this one category complete, and I’m so thankful I did! All my documents are together. I now spend a little time maintaining it. I used my time wisely by investing my energy into getting it right the first time. I wish you much success as you plug away at this daunting task.

The rest of the categories in this box do not require as much research. I will help you get your documents in order as we proceed next week with the second category – Important Personal Documents. Keep using your time wisely, and keep up the good work!

Filed Under: Document Organization, Credit Report/Cards, Credit Cards Tagged With: credit cards, account closed by consumer, account closed at consumer's request, closing accounts, credit report

Credit Report: Disputing Errors

April 3, 2011 by Tracy

Photograph Credit: Microsoft Images

Did you find any errors on your credit report? If not, then great! You can file your report away. But if you found errors, then locate the dispute form, the credit bureau’s website, or the bureau’s phone number.

I prefer to dispute in writing. I include a copy of my report with the problems clearly marked. I also fill out the dispute form entirely. If a section does not apply, then I draw a line through it. If there is not enough room on the dispute form, then I write out any remaining errors noting the specific incorrect information and replacing it with the correct information.

This process is time-consuming. First, I make copies of the report, the dispute form, and any additional documentation. Then I mail the forms to the credit bureau and wait for their investigation results. When the credit bureau has finished processing your disputes, they mail me a revised copy of my credit report. YOU ARE NOT CHARGED FOR THIS REPORT.

Once I receive the revised report, I start again. I review it for errors. If I find additional errors, then I get the dispute form, and write out the errors still reporting on my credit report.

Usually all discrepancies are cleared up after the second dispute submission. The key is to stay organized, follow directions, and be persistent. If I do not get complete reconciliation by the second request, then I would call the credit bureau and speak to a customer service representative.

TIP: Remember that your dispute appeal is time sensitive. You have 90 days from the date of issuance to dispute your information. Yes, 3 months seems like quite a bit of time, but if you procrastinate, you will miss the window to submit your dispute.

I am extremely persistent. I will not allow the credit bureau to continue to report incorrect information. This information may be needed sooner than I anticipate, so I want my information to be reported perfectly! I take great care to protect our identities, and I expect the credit bureaus, responsible for that information, to report it accurately!

Filed Under: Document Organization, Credit Reports, Credit Report/Cards Tagged With: Dispute, credit report, credit bureau

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