Established Member
Posts: 12
Registered: ‎06-26-2007

Emails, Letters, or Phone Calls

When trying to repair your credit, whether it is GW letters, or disputes what is the best way to contact companies and get the fastest response?  Can I email a GW and followup with a physical letter?  Is it best to contact them over the phone? 
What about disputes with TU, EX, EQ?  Email, letters, or phone calls?  Thanks for responding.
Frequent Contributor
Posts: 436
Registered: ‎06-15-2007

Re: Emails, Letters, or Phone Calls

It is best to do everything in writing when dealing with a collection agency. That way you have documentation of every communication and it will be difficult for them to renig on an offer. Also, when disputing information with the CRA's I prefer to dispute on-line directly at their website. Other's may prefer to write. It is up to you.

Have a great weekend.
Established Contributor
Posts: 513
Registered: ‎05-31-2007

Re: Emails, Letters, or Phone Calls

I agree...You want a record of your contacts...mail is best....
Established Contributor
Posts: 905
Registered: ‎05-09-2007

Re: Emails, Letters, or Phone Calls

I have had MULTIPLE improvements to my own situation since Feb... ALL of my improved, deleted TLs have come as a result of CMRRs EXCEPT for one LOCAL CA that I PFD'd with a faxed letter stating they would delete.
Good luck, while there are tons of posters that have had success with online disputes - I still think that CMRR is the best form.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.