Reply
Valued Member
Posts: 97
Registered: ‎09-17-2012
0

Can I have a request furnisher letter and dispute letter out to CRA's at the same time?

I have sent a dispute letter to Equifax and I am in the process of sending dispute letter to Experian and TU as well.  I would also like to send DV letter to the individual CA's and OC's, and I need to obtain the name and address of each from the CRA's.  Can I send an additional letter to Equifax and separate letters to Experian and TU requesting the identity of the furnisher all at the same time?

 

I hope this makes sense.

 

Thanks!

Moderator
Posts: 13,756
Registered: ‎04-15-2011
0

Re: Can I have a request furnisher letter and dispute letter out to CRA's at the same time?

DV letters don't work on the OC.  Not sure what you're asking here.  Are the creditors not posting name and address on your reports?



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Member
Posts: 97
Registered: ‎09-17-2012
0

Re: Can I have a request furnisher letter and dispute letter out to CRA's at the same time?

Hi Shogon,

No, the creditors are not posting the name and address on my much credit reports.  Thus, I need to request the identity of the furnishers from the the CRA's.  However, I recently sent dispute letters to the CRA's.  Thus, what I am asking is will the "request identity of the furnishers" letters affect my dispute letters in any way?

 

Thanks!

Moderator
Posts: 13,756
Registered: ‎04-15-2011
0

Re: Can I have a request furnisher letter and dispute letter out to CRA's at the same time?

I would wait for the disputes to run their course, that way with the added they won't take up to 45 days with additional information.



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Member
Posts: 97
Registered: ‎09-17-2012
0

Re: Can I have a request furnisher letter and dispute letter out to CRA's at the same time?

That makes sense.  I may not even need the furnisher info after the dispute process anyway, and, more importantly, I don't want to add any additional time to the turnaround time.

 

Thanks, as always, Shogun.  :smileyhappy:

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 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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.