Experian deserves some credit

When I heard on public radio that credit agencies supplied credit reports for free, my ears perked up. Free? In my mind I was thinking, what kind of score did I have? You see, I had this nagging black mark that stained my credit ranking. No one likes to say what their credit report numbers are – if it’s great (850 is max.), your bragging, if it’s bad (300 is worst), you’re a filthy animal. So, like the rest of you, I’ll just say that this black mark was one that shouldn’t be there. Ultimately, I wanted my good credit rating back. I didn't want a rating forcing institutions to reject me. I wanted a rating where institutions would lay palms leaves down before me to walk upon. I had to know.

I looked at the internet and it gave me a few choices of who to pick. Experian was the company I ended up with. After entering some personal data, they spit out a report that showed my history. It wasn’t detailed and it didn’t show the credit numbers. However, it showed that negative nagging black mark from ‘X’ bank. To the side it asked if I wanted to dispute the results. Hmmm. Previously, I had gone into a lengthy debate with X bank and they wouldn’t budge. Could removing this smudge really raise my rating? It couldn't hurt to try; it's free.

Experian gave me an area to explain why I was right and X bank was wrong. I filled it out and waited to see if they would respond. Over a month later, I had forgotten about the credit report. I received an email from Experian indicating they had my dispute results. After entering in code numbers and such, out came my results…

Outcome: Deleted. Deleted? The dispute worked? My nagging black mark is gone? To confirm the results, I followed the trail back to my report and where it used to show a “negative” standing, was blank. It worked! I felt like a million bucks.

This is proof that free things are valuable. So I just wanted to say thanks to Experian and all those agencies that help the little guys like me, who know they are right but need a little help standing up to the X banks of the world. Thanks again, Experian!