Credit Dispute Update TU/EX

[wdsman1]

Got dispute letters from TU and EX today. Still waiting on Equifax after sending in the requested copy of DL and SS.

TU-deleted all CA's...most had $0 balance, deleted 1 OC, 2 OC's remain

EX- they said they didn't delete and CA's because there weren't any to delete...validation letters must have worked, 1 OC was not listed anymore and 2 OC's were validated and remain

Today I typed up 623 investigation letters and they are ready to go on monday. I also am sending another round of dispute letters to TU and EX giving reasons. Also sent GW letters to student loans (AES) asking to mark as never late. I sent to 3 addresses...hoping for the best. Will update when I hear something.

Should I expect my TU score to go up for having the 5 CA's removed? Also does Experian factor into my FICO score since it is not listed on there?

[wdsman1]

One more question. If I used "I did not open any credit accounts in (month/date)"

Could this cause a fraud alert?

[Lian]

I like your approach of first sending a direct dispute under FCRA 623(a)(8).
The alternate path would be to file a request under FCRA 605B for blockage of the account from your credit report based on potential identity theft, but as you realize, this can muck up your CR.
Supplying information to support a negative, such as "account not mine," is kinda hard to do. My suggestion is that, as part of your documentation to support your direct dispute, you include a copy of a police report (the FCRA calls this an "identity theft report" under FCRA 603(q)). That at least provides them a sworn statement before a law enforcement agency, which carries penalties for any false statements. of your assertion. This parallels the showing of proof for identity theft blockage under FCRA 605B. It is an indirect way of bringing up the issue of potential identity theft without immediate fraud alerts being imposed.
Give the direct dispute a shot. That will at least give you a response within a month and a half. If it does not work, then you might consider a blockage letter under FCRA 605B.