https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-do-I-dispute/m-p/241369#M4286 <DIV>It's paid off so I should be cool....thanks for the advice..</DIV> Mon, 19 May 2008 00:34:06 GMT Anonymous 2008-05-19T00:34:06Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-do-I-dispute/m-p/241145#M4256 <DIV>I have never had to dispute a report but I just noticed some inconsistency in my reports one shows 7 lates and the other shows 9 lates....I have found the problem and was wondering how do I basically go about getting them off...I have lates after the chargeoff but it was current.&nbsp; How do I get them to change them to paid?&nbsp; Its on Experian if that helps...</DIV> Sun, 18 May 2008 19:08:15 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-do-I-dispute/m-p/241145#M4256 Anonymous 2008-05-18T19:08:15Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-do-I-dispute/m-p/241297#M4280 <DIV></DIV><DIV><BR /></DIV><BLOCKQUOTE><DIV><HR />betamunupe wrote:<BR /><DIV>I have never had to dispute a report but I just noticed some inconsistency in my reports one shows 7 lates and the other shows 9 lates....I have found the problem and was wondering how do I basically go about getting them off...I have lates after the chargeoff but it was current.&nbsp; How do I get them to change them to paid?&nbsp; Its on Experian if that helps...</DIV><BR /><HR /></DIV></BLOCKQUOTE><DIV>Disputing is fairly easy. If you are going to dispute be 100% for sure on the facts before doing so. Disputing can sometimes cause more harm than good.</DIV><DIV>&nbsp;</DIV><DIV>For example with your lates, if you know for sure that you were only late 7 times rather than 9, then dispute that you weren't late on this date and that date. If you were late 10 times, then the OC could kick it back with 10 lates showing if they choose to review their records.</DIV><DIV>&nbsp;</DIV><DIV>You can continue to have lates pop on your history after a charge-off, but not a paid CO. If it was paid, I'd dispute that it was paid, to remove any lates following payment, and to up the status to paid and include a copy of payment, if available.</DIV><DIV>&nbsp;</DIV><DIV>The surest way to dispute is via mail or fax. If by mail, send CMRRR.<BR /></DIV><DIV></DIV> Sun, 18 May 2008 22:56:51 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-do-I-dispute/m-p/241297#M4280 llecs 2008-05-18T22:56:51Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-do-I-dispute/m-p/241369#M4286 <DIV>It's paid off so I should be cool....thanks for the advice..</DIV> Mon, 19 May 2008 00:34:06 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-do-I-dispute/m-p/241369#M4286 Anonymous 2008-05-19T00:34:06Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-do-I-dispute/m-p/241374#M4289 <DIV>Also be aware that if the creditor decides not to respond to the dispute, the whole account may be removed.</DIV><DIV>&nbsp;</DIV><DIV>Being removed could hurt your history, depending on your other accounts and the length of them.</DIV> Mon, 19 May 2008 00:47:55 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-do-I-dispute/m-p/241374#M4289 Anonymous 2008-05-19T00:47:55Z