I recently disputed a derogatory account via the Experian online dispute system. I didn't realize at the time that the other CRAs had online dispute systems, and I was feeling a bit too lazy to write a paper letter. I discovered today that they removed the item.
Feeling empowered by this, I did a little bit of googling, and discovered that TransUnion and Equifax also have online systems. Off I went to the TransUnion online system, only to discover that the item had already been removed from that report (perhaps accounting for the lion's share of a 46 point score increase in the last 2 weeks).
So...is there any way that a dispute at Experian could result in a removal of an item from at TransUnion? The item still appears on the Equifax report, and having found the online dispute system, I disputed it.
Thanks, all.