topic Re: Emails, Letters, or Phone Calls in Understanding FICO® Scoring

Emails, Letters, or Phone Calls

Anonymous — Sat, 21 Jul 2007 17:29:16 GMT

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.

Re: Emails, Letters, or Phone Calls

Anonymous — Sat, 21 Jul 2007 17:37:50 GMT

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.

Re: Emails, Letters, or Phone Calls

Anonymous — Sat, 21 Jul 2007 19:35:20 GMT

I agree...You want a record of your contacts...mail is best....

Re: Emails, Letters, or Phone Calls

Anonymous — Sat, 21 Jul 2007 22:03:47 GMT

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