The Experian and MIS initial disclosures

I couldn’t believe how long it took to scan and post their initial disclosures at CreditCourt.  The Experian work is real shotty as usual - many reports have one page upside down, they submitted one report twice, and the million dollar question is what all those reports are that I did NOT previously receive.

It sure is interesting to see the MIS CDVs and ACDVs with the info the CRAs SHOULD provide when a consumer requests the investigation procedures.  I have a lot of questions about the data on the verifications and HOW accounts are reaged and where that Union Bank “past due” notation came from.  Hopefully I’ll get my discovery requests out soon.

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