Dispute online or via mail

Anonymous · ‎06-10-2011

Hi there!!!

I am new to this forum and I have disputed some items on my credit report online. I am starting to think that this is a mistake. Please help. What has been everyone's experience?

MissMia75 · ‎06-10-2011

I have always disputed online and recieved the results via email once the investigation concludes versus mailing in the dispute and having to wait on the mail to find out the results

Starting Score: 06/2011 505 EX 523 Lender Pulled
Current Score: 08/2011 628 EX 575 Lender Pulled
11/14/2011 TU 584
Goal Score: 700

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***Closed on my home 05/18/2012***

Cotton_Britches · ‎06-10-2011

If it's a rather simple dispute, you can submit it online. If the dispute requires supporting documentation, it's best to send it via mail.

“Faith is taking the first step even when you don’t see the whole staircase.”

FinanceGuy007 · ‎06-10-2011

I agree with Cotton_Britches. I have found it easier to just dispute through the mail. Even though it seems like it takes longer, you still have the 30 day response window. IMO I get better results that way, because the Online Dispute is just checking personal identifiers IMO and not the actually issue at hand.

Starting Score 12/29/2010: 475 EQ FICO
Current Score: 585 EQ FICO (10/10/11) 583 TU FICO (10/24/2011) 598 EX FICO (10/10/11)
Goal Score 12/29/2011: 600

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llecs · ‎06-10-2011

@Anonymous wrote:
Hi there!!!

I am new to this forum and I have disputed some items on my credit report online. I am starting to think that this is a mistake. Please help. What has been everyone's experience?

Welcome to the forums!

My experience has been bad. Once the dust settles, then check out this thread:

What Steps Do I Take - great for learning the repair process.

and Example letters - PFDs, GWs, DVs, etc.

RobertEG · ‎06-10-2011

I would suggest doing neither.

I would not dispute through a CRA, but rather would dispute directly with the creditor/debt collection using FCRA 623(a)(8), thus assuring all of my supporting documentation was received by them.

Anonymous · ‎06-14-2011

I feel bad now ya'll. I am definitely having 2nd thoughts. I disputed them online. Now I have to wait until 7-06-2012 I believe. I hope this works. I don't have much to dispute but I would like for them to come off my credit. If this doesn't work. I guess my next step is PFD's. Any success with these?