DISPUTE? On-Line vs. Phone vs. Mail

[marcuscat]

I have 1 - 30 day late that showed up on a CC. I called and it was a FC, and they had an incorrect email for me. They reversed the late to show current. They sent me a letter stating they updated all 3 CRA’s. That was July 16th. As of today August 12th the late is still showing on all 3 CRA’s.

I just called the CC customer service and she said the records show current for the month it had reported late before…..

My question, should I just dispute online as incorrect (easiest way, maybe fastest) or go through sending CMRR and a copy of letter?

Thanks

[guiness56]

It can take up to 90 days for the correction at the CRA to be made.

[PlasticOrPlastic]

Yes the corrections can (and often do) take some time to update, however with the 2 online disputes I've done all three of the CRA's had them completed within 9-12 days.  Now I'm waiting for their decisions to be reflected on  my report. 

[guiness56]

You really shouldn't dispute just to get the TL to update faster as that is not a valid reason for a dispute.  You need to wait for the process to run.

[marcuscat]

Patience is hard for me......

When the statement cuts I put $20 on it hoping for it to update....

[guiness56]

The CCC normally reports to the CRAs within days of the statement date.

[marcuscat]

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@guiness56 wrote:

The CCC normally reports to the CRAs within days of the statement date.

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Yes but the 30-Day was 08/12. When the CCC reports this months balance does the CRA ALSO pick up the updated current 08/12 report?

How does it work?

[guiness56]

When the CCC reports to the CRA it is the balance at the time they report.  The CRA only puts what they report for that month,

Am I following you?

[marcuscat]

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@guiness56 wrote:

When the CCC reports to the CRA it is the balance at the time they report.  The CRA only puts what they report for that month,

Am I following you?

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Yes you are, Thank You.

So I guess my next question would be about the letter to me dated 07/16/13 stating that they would inform the CRA's could be another 60+ days????

[guiness56]

Yes, it could.  But for your peace of mind you can always call them and ask if it has been submitted and when.