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TU Online Dispute - Extra Processing?

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Jutz
Valued Contributor

TU Online Dispute - Extra Processing?

Fellow rebuilders:  For those that have filed a TU account dispute via their website, have you ever gotten this message:

 


We have discovered that your request requires additional manual processing. As a result, online delivery of your dispute resolution is unavailable at this time.

You will receive a mail soon with further instructions.To learn more, visit our Help page.


 

Uhh..What?

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 1 of 10
9 REPLIES 9
awdsmama
Established Contributor

Re: TU Online Dispute - Extra Processing?


@Jutz wrote:

Fellow rebuilders:  For those that have filed a TU account dispute via their website, have you ever gotten this message:

 


We have discovered that your request requires additional manual processing. As a result, online delivery of your dispute resolution is unavailable at this time.

You will receive a mail soon with further instructions.To learn more, visit our Help page.


 

Uhh..What?


Sure have! 

 

And the next day I got an email from them saying the investigation was complete, with a link to follow and the link showed the 2 disputed items DELETED.

 

This was within 48hrs of my online dispute :-)

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 2 of 10
RobertEG
Legendary Contributor

Re: TU Online Dispute - Extra Processing?

The CRA is required to send their notice of results of reinvestigation by mail unless delivery via other means, such as email, is specfically authorized by the consumer.

I would suspect that they were having problems with their servers, and just alerting you of the fact in order not to be held in violation of their 30+5 days total notification requirement.

Message 3 of 10
Jutz
Valued Contributor

Re: TU Online Dispute - Extra Processing?

Figured it was along those lines Robert, though their 30 days aren't up until next week.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 4 of 10
Jutz
Valued Contributor

Re: TU Online Dispute - Extra Processing?


@awdsmama wrote:

@Jutz wrote:

Fellow rebuilders:  For those that have filed a TU account dispute via their website, have you ever gotten this message:

 


We have discovered that your request requires additional manual processing. As a result, online delivery of your dispute resolution is unavailable at this time.

You will receive a mail soon with further instructions.To learn more, visit our Help page.


 

Uhh..What?


Sure have! 

 

And the next day I got an email from them saying the investigation was complete, with a link to follow and the link showed the 2 disputed items DELETED.

 

This was within 48hrs of my online dispute :-)


Ha, I just followed the link you sent to the IDENTICAL post.  Thanks for that info!  Fingers crossed...

 

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 5 of 10
sphinx313
Established Contributor

Re: TU Online Dispute - Extra Processing?

Well hopefully it's like the others and you get a deletion! You'll be on a roll at that point.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 6 of 10
Jutz
Valued Contributor

Re: TU Online Dispute - Extra Processing?

Yup, this was deleted Smiley Happy

 

Very happy right now. Took me close to a year to make the type of progress I see some people dive right into, but it was worth the waIt. Collection free on TU and EQ, 2 major derogs left on all three. Hopefully a direct dispute with knock out this collection from EX where it failed to online

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 7 of 10
rckstrscott
Valued Contributor

Re: TU Online Dispute - Extra Processing?


@Jutz wrote:

Yup, this was deleted Smiley Happy

 

Very happy right now. Took me close to a year to make the type of progress I see some people dive right into, but it was worth the waIt. Collection free on TU and EQ, 2 major derogs left on all three. Hopefully a direct dispute with knock out this collection from EX where it failed to online


Good work Jutz!

 

-scott

Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790
Message 8 of 10
Shogun
Moderator Emeritus

Re: TU Online Dispute - Extra Processing?

Nice work Jutz!

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 9 of 10
awdsmama
Established Contributor

Re: TU Online Dispute - Extra Processing?


@Jutz wrote:

Yup, this was deleted Smiley Happy

 



WOOTWOOT!!  Congrats :-)

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 10 of 10
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