Dispute with Credit CRAs

[randaljon]

I have just read about the automated process the CRAs use with EOscar and the OCR computers. Is it really  more effective to handwrite your dispute letter instead of typing and printing it out?

Is it worth the time to write out?

[RobertEG]

In my opinion, the bigger issue is, why would you even subject yourself to the e-Oscar dispute process?  As of 7/1/2010, you now have the option of avoiding the entire CRA dispute process by disputing directly with the creditor/debt collector under FCRA 623(a)(8).  This ensures that all information in your dispute goes directly to the creditor/debt collector without any e-Oscar sanitization.