My questions for Max, at Experian (TRW) re. Consumer Credit Reports: All CAPS and nearly impossible to read

Subject:

Comments:
: Dear Max: http://www.experian.com/corporate/max/maxmail.html : I just had a look at the Experian (TRW) sample report on your web site. : 1) The entire report is written in all CAPS. : That's consistent with DISCLOSURES and other important documents which the authors DON'T want you to read. : I'm disabled, only with great difficulty can I read an entire paragraph in all CAPS. I have asked many of my friends and clients about their all CAPS reading (dis)ability. Most are just as disabled as I am. : I have attended many closings. I don't think I've ever had a client read an all CAPS document or paragraph. : I suspect Experian (TRW) is purposely making it as difficult as possible to read their reports. When you can't read it, you won't dispute it. : Max, I'd like to get a report I can read. Can we arrange that? : 2) Last time I got my own TRW directly from you it was thirteen (13) all CAPS pages long. Compare that to CBI's 2 page easy to read report. : TRW claims their reports are consumer friendly, written in "plain language." : Most consumers, especially those with lots of accounts won't bother to read it, or, due to their reading disability, will not comprehend the data and miss incorrect reporting. : At the very least, Experian (TRW) should offer consumers with the all CAPS reading disability the CBI style comprehensive easy to read (for me) column format. : It takes me just a few minutes to analyze the average CBI report. When a client wants me to review their TRW report, I charge by the hour. Fortunately, almost all my clients have me order their reports. No business would read a 13-page report, my reports are merged and VERY easy to read. But when it comes to reviewing the results of consumer's disputes, we don't have a choice. : Or do we? Max, can we request a consumer credit report and your results to consumer disputes without all the blablabla, a report that's well organized and is as easy to read as the CBI report? : 3) Is Experian (TRW) still reporting a paid mortgage with an NOD (notice of default) as a "Paid foreclosure?" : In 1996 I had clients who were declined a new loan because of the incorrect TRW reporting. The loan had been brought current by the borrowers prior to the sale. The property was NEVER foreclosed on. : TRW refused to change the reporting. I was told that all paid mortgages which had a NOD at anytime are reported as "paid foreclosure" once the loan is paid off. : Anyone looking at a report with a "paid foreclosure" will assume that the property was foreclosed on and the loan was paid with the proceeds from the foreclosure sale. Since this is entirely incorrect, I would think that my clients would be able to sue TRW for slander. : I'm looking forward to Max's response. : Christine Baker

Optional Link URL:
Link Title:
Optional Image URL: