Rogers admitted that it was a case of mistaken identity. But it would take 30 days to correct the credit report. The Andersons needed their mortgage approved by the next day or they could lose the house.
I forwarded Paola’s emails at 10.30 p.m. to Equifax spokesman Tom Carroll. He replied by 6.35 a.m., and by 4.30 p.m. that day, Paolo wrote to say the mortgage had been approved after Equifax sent a revised credit report directly to the lender.
You can speed up the process by contacting the lender directly and asking it to provide the credit reporting agency with updated information, Russo said. Mortgage investigations are a priority with Equifax. Consumers don’t have to go to the media to get their problems resolved.
“When someone raises a concern about a credit bureau report, we immediately investigate. If it’s found to be an error, we contact the credit bureau to have the item removed from the person’s credit file as quickly as possible. We were glad this came to a quick resolution,” said Rogers spokeswoman Veronica Noronha.
“After a free session with a trainer, she signed up for 144 sessions to the tune of $ 8,400 over a one-year period. Since she was not even in London for one-third of the contract time, she’d have to train 18 times a month during an eight-month period. She’d be Arnold Schwarzenegger after that.”
The student had paid a total of $ 4,141 — which included a $ 1,500 down payment — and had used 35 training sessions at $ 52 each. (There was also a borrowing cost to finance sessions over a year.) She still had 35 more prepaid sessions to use when she returned to London in the fall.
“Everyone at the branch was polite and responsive, but constrained by the Goodlife policies,” the mother said. “I felt they had no wiggle room to be autonomous in their decisions.”
Brown said she had been working on the case after the trainer reached out to her. She apologized for the student’s financial burden and stress, saying she should have talked to the family at an earlier date.
Check your credit report regularly for mistakes. Don’t wait until you are applying for or renewing a loan. Call Equifax and TransUnion and order a free report by mail.