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It helps you in the worst case scenario. What would you have done had they never responded or taken any action? Or if they responded with incorrect information
by squeaky-clean 9y ago
It helps you in the worst case scenario. What would you have done had they never responded or taken any action? Or if they responded with incorrect information / misunderstanding the original claim like they did in the article thinking OP was talking about their child's birthdate, when OP was clearly talking about themselves?
It's a relatively small price and additional amount of effort to protect you in a situation that can be very important to you financially for a long time. What if 20 years from now those accounts are reopened in some credit report?
Also just anecdotally, but I bank with Chase and their customer service has always been so terrible, I'd expect all these to happen to me.
- aptwebapps 9y agoA paper trail is good, of course, but IIRC, I did receive amended reports from each of the CRAs with letters describing the actions taken. I also suspect that I went through the process more recently than Patrick, I think it was about five years ago. In my case, I was able to select the problematic accounts, what the problems were, and the desired actions all via dropdown elements. There was an additional text box for any extra explanation. This is what made it seem routine and not a big deal.