Rebuilding Your Credit

[gdtobefree]

I found a LOT of info that wasn't on the real reports.

While my fico reports have a lot more info on the account, which one should I follow?

If I dispute with my fico cr who does the dispute go to?

[sidewinder]

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gdtobefree wrote:

I found a LOT of info that wasn't on the real reports.

While my fico reports have a lot more info on the account, which one should I follow?

If I dispute with my fico cr who does the dispute go to?

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When you pull a report through myFICO or any other reseller, you will get whatever information the CRA proivdes to the reseller.

Disputes go to the CRA, doesn't matter where you pull your report.

[ivyalmighty]

gd-

The dispute function on myfico compiles all the things you have issue with into a form letter that you can print out and send in. It doesn't send the dispute directly to the CRA online, as happens when you dispute online from each CRA's website.

[gdtobefree]

Should I bother with disputes through myfico then?

[ivyalmighty]

If it helps you to have the information laid out in an easy-to-review format, then yes.

If you need to add more information regarding an account, then yes. Some of the CRA online disputes limit you to 100 characters, or choosing from a list of explanations that may not cover your particular circumstance.

Or, you may be limited from disputing online at all. If there is a fraud alert on your account, if you have previously disputed an account, or if it is not Tuesday and you are not in Belgium, a CRA may block you from disputing online

So yes, it can be helpful to do it by snail mail.

[gdtobefree]

if it is not Tuesday and you are not in Belgium,

Nope and nope LOL

I did 1 online dispute ( I know now NO NO!)

and 1 CMRRR already.