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Established Member
mesmommie
Posts: 12
Registered: ‎06-26-2007
0

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
cfstr1
Posts: 436
Registered: ‎06-15-2007
0

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
ObsessedwithmyFico
Posts: 513
Registered: ‎05-31-2007
0

Re: Emails, Letters, or Phone Calls

I agree...You want a record of your contacts...mail is best....
Established Contributor
FICO_Focused
Posts: 905
Registered: ‎05-09-2007
0

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.
 
Rob

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