topic Re: Disputes Question in General Credit Topics

Disputes Question

Anonymous — Thu, 05 Jul 2007 15:46:00 GMT

I have read about lots of folks who have "disputes" listed in the CR's, as account in dispute, or some thing like that.

I have several disputes out some for a few weeks now, and find no notes about that in any of my TC reports. They all continue to show their original status. Does this mean I did not file the dispute right, they are diregarding my disputes, or do they only sometimes change the status to "disputed"?

Re: Disputes Question

Anonymous — Thu, 05 Jul 2007 16:10:08 GMT

BUmp!

Re: Disputes Question

Anonymous — Thu, 05 Jul 2007 16:28:52 GMT

i'll take wild guesses!

Re: Disputes Question

Anonymous — Thu, 05 Jul 2007 17:00:05 GMT

jaguls66 wrote:
i'll take wild guesses!

The types of disputes maybe?

Maybe there's a difference between "not mine" and "was not late".

you did say you'd take wild guesses....right?

Re: Disputes Question

Anonymous — Thu, 05 Jul 2007 17:28:04 GMT

Disputing some as "not mine" "Unknown". As any contact info, except a little of the account #. No Contact Info at all. A few disputing as to old, some should have aged off by a few months. Thanks Trini, thought I was the only one here today!

Message Edited by jaguls66 on 07-05-2007 10:28 AM

Re: Disputes Question

Anonymous — Thu, 05 Jul 2007 17:30:12 GMT

I can't give you the direct answer you're looking for......sorry. Keep bumping the post up though, someone waay wiser than I will chime in.

Re: Disputes Question

Anonymous — Thu, 05 Jul 2007 19:02:30 GMT

BUMP.... again

Re: Disputes Question

Takunda1 — Thu, 05 Jul 2007 19:05:36 GMT

I say check the dispute website of the CB's to see the status of your disputes. I disputed with TU only to find out that due to some system glitch my disputes never went through, so I was told to do them over.

Re: Disputes Question

Anonymous — Thu, 05 Jul 2007 19:20:48 GMT

CRAs don't have any wiggle room. That have to note it's disputed or include the statement you sent them. If they don't, they are in violation.

15 USC 1681i(c)

http://caselaw.lp.findlaw.com/scripts/ts_search.pl?title=15&sec=1681i

Notification of consumer dispute in subsequent consumer reports

Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer's statement or a clear and accurate codification or summary thereof.

However, they don't have to absolutely follow your punctuation and capitalization. See the Edwards letter.

http://www.ftc.gov/os/statutes/fcra/index.shtm

http://www.ftc.gov/os/statutes/fcra/edwards.shtm

Re: Disputes Question

Anonymous — Thu, 05 Jul 2007 19:27:18 GMT

This would be listed under "condition" in my TC reports correct. Because none of my disputes are listed as such with any of the CRAs.

Might I have done something wrong?

Re: Disputes Question

Anonymous — Thu, 05 Jul 2007 19:52:25 GMT

No, I'd say they did.

Re: Disputes Question

Anonymous — Thu, 05 Jul 2007 20:30:25 GMT

well, is this worth bothering with. I am not in a super rush, not trying to buy a house or a car in the next few weeks. Just let it sort itself out? Or call and pursue?

Re: Disputes Question

Anonymous — Thu, 05 Jul 2007 22:30:15 GMT

Reporting as in dispute is not supposed to affect one's FICOs, but even if it did (and FICO says not so I supposed we have to believe it ) it would only be temporary.

The CRA is in violation for not reporting it, in some way, as in dispute.

Dispute via CMRRR.
Watch for the RRR green card.
Check your CRs and call the CRA if it ain't reported as disputed.
If you're using TC, you could call TC corporate as they seem to be fairly on top of their game.

Message Edited by Noah_Bodie on 07-05-2007 03:30 PM

Re: Disputes Question

Tuscani — Fri, 06 Jul 2007 00:32:25 GMT

There are some things FICO will not calculate while a TL is in dispute. Does that mean you should dispute in hopes of increasing your score? NO! This could easily backfire.

Collections and public records do not apply and are never exempt while in dispute.

Re: Disputes Question

Anonymous — Fri, 06 Jul 2007 13:31:33 GMT

@Tuscani wrote:
There are some things FICO will not calculate while a TL is in dispute. Does that mean you should dispute in hopes of increasing your score? NO! This could easily backfire.

Collections and public records do not apply and are never exempt while in dispute.

I was not and am not trying to artifically inflate my scores, just wondering if my reports should be showing disputed TL, Coll, and such as such. Guess I just will not sweat it, and wait to see if the changes are made in the required 30+5 days. Thanks all