06-26-2007 06:47 PM - edited 06-26-2007 06:53 PM
06-26-2007 06:52 PM - edited 06-26-2007 06:55 PM
06-26-2007 07:40 PM
Perhaps you should. HEHE
Tusc - I have never had any doubt that your intentions are always the noblest.
Gotta respectfully disagree with you here, Tusc. I could make a nice little legal argument that fully supports your position. But ethics are another story.Let's say a piece of info is correct, e.g., you (colloquial "you") were 60 days late. Suppose you don't know whether or not it's correct. Or you believe it's incorrect. OK, go ahead and dispute it.Now suppose that you know plain well that it is correct. You dispute it, but not because you have some noble intent to force the CRAs to do their job. We all have better ways to spend our time. Seriously. You dispute it because you're hoping you get lucky and they delete it. I think there's an ethical issue there.You are arguing that your knowledge of the correctness of the item is irrelevant in this ethical dilemma. I think your knowledge and intent has everything to do with it. JMHO.
I hear you. But I do feel that knowing is irrelevant. How do you know that my intentions are not strictly noble? And assuming they are, why shouldn't the CRAs delete! If my intentions are not noble, why should I scrutinize myself for the CRAs not doing their job to verify.Nonetheless, I think we can all agree that there is quite the fine line between legality and ethics.
06-26-2007 07:46 PM
I wouldn't say things have changed.. While we do technically frown upon disputing accurate items, whether or not you want to challenge the system based upon your ethical standards is up to you. No one here can tell you what you can and can't do, and disputing is not illegal.
_________________________________________________________________________Tuscani wrote:There is no ethical dilemma about disputing accounts that you personally know are reportingcorrectly. What you know/don't know isn't relevant. (Try to have a non-reporting positiveaccount put ON your reports for an idea of how little what you know matters). All you aredoing is demanding the CRA prove that they can verify what they are reporting (no more, noless).__________________________________________________________________________I think it's an interesting post and must say I do agree with much of what you said, but I am a little surprised the FICO admin has not chimed in. Tuscani, this is what I got out of your inital post. An example here not a true event or story. I pulled my three CRs and noticed 15 inqs on them mostly from recent CC apps. Knowing this is hurting my score, I dispute all of them with the CRAs as not mine or inaccurate while knowing full well they are mine and they are reporting accurately. I am a little surprised, you commonly state in your posts that you should not dispute accurate information in your credit reports. Has something changed. I have read countless threads and posts at other forums where they take credit repair to notches unknown, employing ruthless guerilla tactics on creditors.
Message Edited by fused111 on 06-26-2007 03:53 PM
06-26-2007 08:37 PM
06-26-2007 08:52 PM
masdeocho wrote:OK, someone please let me know the next time this happens:1. You find incorrect info on your report, but it is positive. For example a TL that isn't yours is in good standing and shows up, or a judgment that is yours but the amount owed is higher than what is displayed. Are you going to dispute it?2. EX doesn't report 3 of your collections that TU correctly reports. Are you going to take EX to task because your report isn't correct and accurate?Just gotta keep those CRAs in line, right?Hey, you needed a Devil's Advocate on this one ...