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How To Dispute Amount

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db111
Member

How To Dispute Amount

NEWBIE!!

 

I have a couple of questions:

 

I've been off the wagon so to speak and I'm now working to get back on my feet.  After years of neglect, I am working to clean up my credit.

 

How do I get verification that debts listed on my credit report are not only accurate, but have amounts that are accurate?  Note:  these are accounts by the way are far beyond 30 days of being charged off.  Something I read stated that you can only dispute the amount owed within 30 days.

 

2nd question:  Can collectors continue to add fees and interest charges to accounts which have charged off ?  After setting up MyFico account, I got an alert about a balance increase on an account that charged off over a year ago.

 

Thanks

Message 1 of 4
3 REPLIES 3
Shogun
Moderator Emeritus

Re: How To Dispute Amount

Have you sent a DV to them?  This could be a good place to start.

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 4
db111
Member

Re: How To Dispute Amount

I've not sent a DV yet.  So is it still a good place to start even though from other post I've read here, the request is not "timely"?  Way beyond the 30days.

Message 3 of 4
Shogun
Moderator Emeritus

Re: How To Dispute Amount

Oh yes.. still DV.  This makes them go into their records and make sure they have everything.  I've seen lots of people get rid of TLs just with a DV.

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 4
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