Established Member
jamie2005
Posts: 24
Registered: ‎02-25-2012
Disputes
when doing disputes (equifax), is it better to do it online, by mail, or maybe even both? any experiences?
Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012
Re: Disputes

I disputed 3 different things at the same time with EQ, 2 were removed within 10 business days, and the other in the 3rd week of the 30day period.

 

Disputed one item with EX, STILL waiting results, due on 10/12. :smileyhappy:

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Established Member
jamie2005
Posts: 24
Registered: ‎02-25-2012
Re: Disputes
online or by mail?
Regular Contributor
Johnny_Favorite
Posts: 266
Registered: ‎09-05-2012
Re: Disputes

I've read a lot on here about disputing by mail. That was originally going to be my approach. However, I disputed online and have had really good success with getting stuff removed. I think I had about 11 items removed so far.

 

I didn't dispute everything at once however, I have been tackling stuff very carefully. Started with really old stuff first. Then I moved on to amounts that I felt would not be confirmed ($16 and $25 collections). I am now with about 4 items on one report and 6 on the other. These are all collections set to age off in 2 years. So not sure if I'm even going to dispute them or just let them age off gracefully since I don't plan on applying for credit soon.

 

My method has worked for me, but not sure if it's the same for everyone. I'm sure if you just dispute everything on your report it will raise some eyebrows and you'll look like some dude trying to game his credit. I personally would just be cautious at how you approach it and try to do it online, but as I said, choose carefully and only dispute a few items at a time.




Established Member
kcanes53
Posts: 15
Registered: ‎06-19-2012
Re: Disputes

I have done all my disputes online and have been very successful !

Semper Fi always faithful. Faithful to God, Country, Family and the Corps.
Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012
Re: Disputes

online. sorry forgot that part!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Frequent Contributor
novabama
Posts: 305
Registered: ‎08-24-2012
Re: Disputes

I don't think there's anything wrong with online. If that doesn't work, you can always request MOV. I have done online, some verified (namely midland, shocker) and most deleted. Good luck! Your mileage always varys with this, but it's a code relayed to the OC no matter how you dispute it. All electronic.


Goal Score: 640 Good things come to those who wait.
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Established Member
jamie2005
Posts: 24
Registered: ‎02-25-2012
Re: Disputes
ok! Thanks guys for the quick responses!
Mega Contributor
RobertEG
Posts: 18,175
Registered: ‎03-19-2007
Re: Disputes

Unlless your dispute relates to an item that is not disputable under the direct dispute process, such as credit inquiries, I would suggest considering a direct dispute as opposed to any dispute involving the CRA.

 

Online disputes require you to sanitize you own dispute, not providing for any accompanying supporting documentation.

If you have documentation relevant to your dispute, better to send by mail, at least providing it to the CRA (or better yet, filing a direct dispute, assuring it is received by the furnisher of the disputed information).  As part of their e-Oscar process, they arent likely to forward any supporting documentation to the furnisher, but that is not, in my opinion, reason to not even provide it.

My advice:

1. Direct dispute, if appliable

2. Mail to CRA with all supporting documentation

3.Use their on-line process

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Disputes

RobertEG wrote:

Unlless your dispute relates to an item that is not disputable under the direct dispute process, such as credit inquiries, I would suggest considering a direct dispute as opposed to any dispute involving the CRA.

 

Online disputes require you to sanitize you own dispute, not providing for any accompanying supporting documentation.

If you have documentation relevant to your dispute, better to send by mail, at least providing it to the CRA (or better yet, filing a direct dispute, assuring it is received by the furnisher of the disputed information).  As part of their e-Oscar process, they arent likely to forward any supporting documentation to the furnisher, but that is not, in my opinion, reason to not even provide it.

My advice:

1. Direct dispute, if appliable

2. Mail to CRA with all supporting documentation

3.Use their on-line process


+1  Too many people are quick to just jump into disputes.  Disputes with the CRAs can cause potential problems down the road.  There are other methods to contend with the TLs before doing diputes.


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