Credit Card Center Advertiser Disclosure

Posts: 18
Registered: ‎04-13-2007
0 Kudos

Question about disputes

I have about 7 different disputes, 6 are pretty legit and one is a close call.  Is it better to send separate letters for each dispute or keep all the disputes in one letter.  Also, is there any secret to getting a quicker response than 30 days from the credit bureau.
New Member
Posts: 11
Registered: ‎04-18-2007
0 Kudos

Re: Question about disputes

R they 7 disputes on a single credit bureau or 7 disputes on all 3 or 7 disputes in all?  If your confident that they are all erroneous then you can send all at once but it makes you look kind of frivolous.  Online is sometimes quicker but most of the time they'll still take 30 days.
New Contributor
Posts: 82
Registered: ‎03-31-2007
0 Kudos

Re: Question about disputes

I dont know of any tricks to make them go faster, but, I disputed online, and Experian deleted in about 12 days and TransUnion deleted in less than 20 (i'm not sure how long it took because i did not get a confirmation; i just pulled my report and saw the account was not there). I'm still waiting on Equifax.
In some ways you should WISH they take their times. Because if they take longer than the 30 days, they have to remove (or correct) the account.
Maybe you should also send letters to creditors telling them to delete the items. 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.