topic Re: Disputes in Rebuilding Your Credit

Disputes

jamie2005 — Thu, 04 Oct 2012 17:17:49 GMT

when doing disputes (equifax), is it better to do it online, by mail, or maybe even both? any experiences?

Re: Disputes

S7 — Thu, 04 Oct 2012 17:21:22 GMT

I disputed 3 different things at the same time with EQ, 2 were removed within 10 business days, and the other in the 3rd week of the 30day period.

Disputed one item with EX, STILL waiting results, due on 10/12. :)

Re: Disputes

jamie2005 — Thu, 04 Oct 2012 17:22:59 GMT

online or by mail?

Re: Disputes

Johnny_Favorite — Thu, 04 Oct 2012 17:41:35 GMT

I've read a lot on here about disputing by mail. That was originally going to be my approach. However, I disputed online and have had really good success with getting stuff removed. I think I had about 11 items removed so far.

I didn't dispute everything at once however, I have been tackling stuff very carefully. Started with really old stuff first. Then I moved on to amounts that I felt would not be confirmed ($16 and $25 collections). I am now with about 4 items on one report and 6 on the other. These are all collections set to age off in 2 years. So not sure if I'm even going to dispute them or just let them age off gracefully since I don't plan on applying for credit soon.

My method has worked for me, but not sure if it's the same for everyone. I'm sure if you just dispute everything on your report it will raise some eyebrows and you'll look like some dude trying to game his credit. I personally would just be cautious at how you approach it and try to do it online, but as I said, choose carefully and only dispute a few items at a time.

Re: Disputes

kcanes53 — Thu, 04 Oct 2012 17:43:38 GMT

I have done all my disputes online and have been very successful !

Re: Disputes

S7 — Thu, 04 Oct 2012 17:47:57 GMT

online. sorry forgot that part!

Re: Disputes

novabama — Thu, 04 Oct 2012 17:54:24 GMT

I don't think there's anything wrong with online. If that doesn't work, you can always request MOV. I have done online, some verified (namely midland, shocker) and most deleted. Good luck! Your mileage always varys with this, but it's a code relayed to the OC no matter how you dispute it. All electronic.

Re: Disputes

jamie2005 — Thu, 04 Oct 2012 17:56:32 GMT

ok! Thanks guys for the quick responses!

Re: Disputes

RobertEG — Fri, 05 Oct 2012 01:39:22 GMT

Unlless your dispute relates to an item that is not disputable under the direct dispute process, such as credit inquiries, I would suggest considering a direct dispute as opposed to any dispute involving the CRA.

Online disputes require you to sanitize you own dispute, not providing for any accompanying supporting documentation.

If you have documentation relevant to your dispute, better to send by mail, at least providing it to the CRA (or better yet, filing a direct dispute, assuring it is received by the furnisher of the disputed information). As part of their e-Oscar process, they arent likely to forward any supporting documentation to the furnisher, but that is not, in my opinion, reason to not even provide it.

My advice:

1. Direct dispute, if appliable

2. Mail to CRA with all supporting documentation

3.Use their on-line process

Re: Disputes

Shogun — Fri, 05 Oct 2012 03:29:29 GMT

RobertEG wrote:
Unlless your dispute relates to an item that is not disputable under the direct dispute process, such as credit inquiries, I would suggest considering a direct dispute as opposed to any dispute involving the CRA.

Online disputes require you to sanitize you own dispute, not providing for any accompanying supporting documentation.
If you have documentation relevant to your dispute, better to send by mail, at least providing it to the CRA (or better yet, filing a direct dispute, assuring it is received by the furnisher of the disputed information). As part of their e-Oscar process, they arent likely to forward any supporting documentation to the furnisher, but that is not, in my opinion, reason to not even provide it.
My advice:
1. Direct dispute, if appliable
2. Mail to CRA with all supporting documentation
3.Use their on-line process

+1 Too many people are quick to just jump into disputes. Disputes with the CRAs can cause potential problems down the road. There are other methods to contend with the TLs before doing diputes.

Re: Disputes

Johnny_Favorite — Fri, 05 Oct 2012 05:26:27 GMT

Can you tell me about your potential problems? I am just curious what some people have run into.

The reason I did it online was because all of my collections are set to drop off in early 2014. I sort of didn't see a real backside to the dispute. If it's removed, great, I get a few points bumped up. If it doesn't get removed, it still drops off in 2014 and is past the SOL.

What kind of problems have you seen?

Re: Disputes

Shogun — Fri, 05 Oct 2012 05:35:29 GMT

Split files, frivolous disputes, loss of positive TLs. I've seen some lose their CRs. They get corrupted in the system or get locked for some reason and they don't even have a score anymore.

Re: Disputes

AZHeather — Fri, 05 Oct 2012 05:48:15 GMT

Shogun wrote:
Split files, frivolous disputes, loss of positive TLs. I've seen some lose their CRs. They get corrupted in the system or get locked for some reason and they don't even have a score anymore.

+1 ... A friend of mine that started her credit repairs at the same time I did decided she was going to start her repair by disputing every negative item on her reports via online through the cra's. Her Transunion file got split, her EQ or EX file was locked for fraud, and her EX or EQ dropped some of her positive tradelines, but kept the negative. Her reports are still a mess and she is still trying to get it all sorted out - been nearly a year.

Re: Disputes

timotiger — Fri, 05 Oct 2012 06:13:21 GMT

The only problem I have with online is the inability to send supporting backup. It would be ideal if they had a pdf upload from a scanned document. I think it would solve a lot of miscommunications and resubmits.