When to dispute with CRA's

Anonymous · ‎08-29-2007

I am also new to this process and have been reading the FICO forum for a couple of weeks. Great info, I have learned a great deal. I'm just a little confused about when to dispute with the CRAs.

After recently obtaining my credits reports, I noticed some collection items from 2003-2004.

EQ shows 1

TU shows 2

EX shows 4 (3 open & one closed)

I'm not sure if they're valid. What is the best first step, a dispute with the CRAs, DVs with the CAs or PFDs with the CAs?

Any advice you can provide is greatly appreciated.

Tuscani · ‎08-29-2007

I assume these TLs are reporting accurately? If not, you should dispute.

If they are, try a PFD.

Anonymous · ‎08-30-2007

Thank you for your response, it is greatly appreciated. One more question,

For the collection items that are invalid, should I dispute through the CA or the CRA

Message Edited by Brownie on 08-30-2007 09:19 PM

Tuscani · ‎08-31-2007

Brownie wrote:

Thank you for your response, it is greatly appreciated. One more question,

For the collection items that are invalid, should I dispute through the CA or the CRA

Message Edited by Brownie on 08-30-2007 09:19 PM

CRA