yes and no ;-). I sued Equifax in small claims court for refusing to correct a mistake. The judge gave the option of dismissing the case, if equifax was willing to correct the mistake. SO, techinically I didn’t win, but since I got exactly what I wanted I consider it a win.
FYI - If you’re planning to do it, the same lawyer, John, J. Friedman, is flying all over the country to deal with Equifax cases. I’ve also discussed some of these things on creditnet , look at ‘i won, i won’.
search for cases ‘jennifer cushman vs trans union’ , stevenson vs trw, henson, schoendorf vs ud registry’. They all deal with rulings, that a CRA needs to widen the scope of their investigation, if a dispute is presented.
check out this link. http://www.creditboards.com/creditsearch/
If you go by state, you can see who pulls which credit report. Since some of your reports are better than others, you may want to make sure, that you only apply with people, that pull the better reports/higher scores, so, that you don’t waste any hard inquiries.
PS: It’s a great day, when you go to court against EQUIFAX and the judge makes them do exactly what you wanted all along
Michaela: do mean that you sued Equifax and the judge ruled in your favor? I’m comtemplating doing that same thing right this very evening. After multiple attempts to remove an item that is not mine. They have followed none of the correct procedures, etc.