I wanted to touch base on particular tactic Experian is once again trying. Every so many years, Experian tries to discourage folks from improving their credit. And I will say, if I were just starting out in this process, this would certainly discourage me.
Thankfully, having the benefit of hindsight, we know this to be simply a stall tactic. It is not legal to disregard a investigation request based on the above reasoning. As a matter of fact, folks that issue letters out themselves in attempts to repair their own credit, (which you can certainly do) receive this letter as well. It appears Experian is rather inconsistently issuing this response to anyone.
The thing is, the above client?? Well, he’s been with us for some time. And he has been splendid at getting us responses. Here’s a response he uploaded two months ago, in the previous round, where Experian not only investigated his accounts, but also updated/changed them per our request.
And there are consumer advocates that are addressing it. Note the date on the below link.
Despite Experian’s Attempts to discourage folks, we have made excellent progress on this client’s file, as many of the accounts have been deleted due to lack of verification.
Or, in the case of our good friend Berdina, who received the same response and dropped it off here in our office just a few moments ago…
Tell Me Experian… how do you reconcile the above response with the below
How exactly does that work Experian??
So, in short, if you have received this stall tactic, have be aware it is simply that. Experian still does have an obligation to investigate the accounts. Unfortunately, it’s a game. And we play it as well as anyone.