General Credit Topics

[SlayerCommaThe]

This is good to know. I did recently dispute two items, one not mine and the other past the 7 year mark, via ACR and TU deleted them in 36 hours. I suppose I lucked out. In the future, however, I'll still with snail mail.

[YoungInvestor]

About 3 weeks ago I filed dispute using annualcreditreport.com and not only did I not have any issues, the response time was very fast. The timeline was something like this:

Tuesday, 5pm checked report via annualcreditreport.com. Found discrepancy. Account claimed 5 lates, I knew of 2, 3 max.

Tuesday, 5:30pm, report submitted.

Friday, 1pm Response received. Baddys removed from my CR, account status now: Paid, Never late.

Just my own experience. Perhaps things have changed since this thread was made?

[guiness56]

I have disputed using those reports also and had no issues.

[creditstarved]

I wish mine would go quickly. Actually, I wish I had never made a dispute. I did so with TU and EQ. TransUnion took care of it within a week. EQ is still pending (7/16). I emailed to see if I could cancel and they told me to call this number. I did, and spoke with a rep and he said he couldn't delete it. I replied to that email and told them what the rep said. EQ emailed back saying that once it's under investigation, it cannot be deleted. I really hope it goes quickly. I'll be going for an auto loan in two to three weeks. If it's still open, I fear it will impede on a loan approval.

[startbyservingothers]

When someone says "paid report"  does this mean anything other than freeannualreport.com.    What if I sign up for a free trial of a site?  That will qualify for the 30 days right?

[DBinSJ]

May I ask why you say this?

I have always disputed, with good results, from free annual reports that I receive as hard copies by postal mail (not through annualcreditreport.com).

I understand and agree about not disputing online but is there evidence that disputes are more effective when made after paying for a copy of one's credit reports, rather than getting a free annual copy?

If so, could you please describe the evidence?

[Lel]

Hi DBinSJ,

This thread was started 5 years ago and the last post was almost 2 years ago.  It's highly unlikely that you're going to get a response from those individuals.

Having said that, the argument against disputing through annualcreditreport.com is not that these disputes are not effective, but rather that it can result in a delay in the resolution of the dispute, since law allows for a longer reinvestigation period as compared to the standard.  At least that's the way things were 5 years ago - I don't know if there have been any substantive changes to the industry standard or the law.