@advokate wrote:Reading eOscar's website: https://www.e-oscar.org/getting-started/about-us
The ACDV is returned to the initiating CRA with updated information (if any) relating to the consumer’s credit history. If an account is modified or deleted, Carbon Copies are sent to each CRA with whom the DF has a reporting relationship.
Wouldn't this mean you onyl need to dispute with 1? If any changes are made, the other 2 will be updated as well?
this likely happens a lot, I wouldn't just assume that it will always happen
If the entry on your report is being reported to all 3. Dispute with any one of the CRA's. That CRA will contact the furnisher and either verify it or delete it if its inaccurate. But you'll have to contact all 3 if its on all the CRA's. The credit bureaus are competitors. They do not share data with one another. That why you have different scores.
"Even if you dispute an inaccurate account with all three credit bureaus, your results may vary. Each bureau will conduct its own investigation. So, while a data furnisher might verify the account as accurate with one credit bureau, it could also fail to respond to another. This could lead to a disputed account remaining on one or more of your reports, but not all three."
https://www.forbes.com/advisor/credit-score/3-credit-bureaus/
So what are you trying to say. You want to dispute something with 1 CRA and hope they all folow thru? It wont happen.