Are Handwritten Disputes More Effective Than Typed Ones?

[daveg38]

I have a few items I am disputing with Experian and Transunion, but have had very little luck with online disputes and those that are typed and mailed.

If anyone has insight as to whether handwritten disputes are more effective than typed ones, I'd appreciate it. I would assume that legible handwriting is hard to scan and reduce to a code in e-OSCAR, forcing the CRB's to actually look these disputes over instead of passing them to a dispute center in Bengaluru.

[dragontears]

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@daveg38 wrote:

I have a few items I am disputing with Experian and Transunion, but have had very little luck with online disputes and those that are typed and mailed.

If anyone has insight as to whether handwritten disputes are more effective than typed ones, I'd appreciate it. I would assume that legible handwriting is hard to scan and reduce to a code in e-OSCAR, forcing the CRB's to actually look these disputes over instead of passing them to a dispute center in Bengaluru.

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Supposedly hand written disputes are actually read by a person and not just scanned in. However, if you already have disputed something more than once and had it come back verified your dispute can be immediately dismissed as "frivolous" no matter how you submit it. 

Can you share what type of information you are disputing? 

[daveg38]

Disputing a 4.5 year old collection account that I have not disputed before.

[FireMedic1]

Who's the CA. And if its accurate. Its will ding you if you dispute it as a new update.

[OmarGB9]

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@daveg38 wrote:

Disputing a 4.5 year old collection account that I have not disputed before.

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Why are you disputing it?

[Anonymous]

No disputing will not ding you, it’s a collection not a chargeoff. 

Collections score from the date of opening, not the date of dispute or update or payment. 

The only thing that matters as far as collections go (per MF) is if there is a collection and when it was opened:

https://www.myfico.com/credit-education/faq/negative-reasons/should-i-pay-my-collections

[dragontears]

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@Anonymous wrote:

No it will not ding you it’s a collection not a chargeoff. 

Collections score from the date of opening not the date of dispute or update or payment. 

The only thing that matters as far as collections go is if there is a collection and when it was opened:

https://www.myfico.com/credit-education/faq/negative-reasons/should-i-pay-my-collections

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Oh that is a great example of something written by a person that doesn't have direct knowledge about the algorithm or is just dumbing things down/lumping all versions into one. Love the part about how paying a collection could increase your score 

[gdale6]

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@Anonymous wrote:

No it will not ding you it’s a collection not a chargeoff. 

Collections score from the date of opening not the date of dispute or update or payment. 

The only thing that matters as far as collections go is if there is a collection and when it was opened:

https://www.myfico.com/credit-education/faq/negative-reasons/should-i-pay-my-collections

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Collectors tend to update for a few months then remove and re-insert which has the same effect as an update by the OC on a monthly basis.

"Your score weighs collections on your credit report according to when the collection occurred. Generally, the more recent the collection, the more it's going to hurt your FICO Score."

[Anonymous]

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@gdale6 wrote:

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@Anonymous wrote:

No it will not ding you it’s a collection not a chargeoff. 

Collections score from the date of opening not the date of dispute or update or payment. 

The only thing that matters as far as collections go is if there is a collection and when it was opened:

https://www.myfico.com/credit-education/faq/negative-reasons/should-i-pay-my-collections

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Collectors tend to update for a few months then remove and re-insert which has the same effect as an update by the OC on a monthly basis.

"Your score weighs collections on your credit report according to when the collection occurred. Generally, the more recent the collection, the more it's going to hurt your FICO Score."

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@gdale6 you make a very good point. If they were to delete the collection and then report a new collection for the same debt, it would have that effect yes.

Are they allowed to do that if it's the same CA? I'm aware they can sell it to another one and then they could report it independently with its own open date. But if they just deleted it and re-reported it themselves wouldn't they be re-aging it? Good thinking though. 

But disputing it would not cause any ding unless they in fact deleted it and then re-inserted it as a new collection, then? 

@dragontears The reference for the proposition is MF and linked. I make the assumption information from fico and partner MyFICO is correct, considering they created the algorithm. 

I don't believe they would directly lie. I think they might obfuscate when it comes to trade secrets and therefore omit a lot of things, but I don't think they would directly lie. But that's just my humble opinion as are all my posts. 

I suppose I should've added the qualifier "per MF," but I thought the link would suffice. (Duly edited.)

did it say paying a collection would increase your score? If so you're right that's crazy, let me go read that again.

[sjt]

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@OmarGB9 wrote:

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@daveg38 wrote:

Disputing a 4.5 year old collection account that I have not disputed before.

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Why are you disputing it?

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Also, do you know if the debt is within your state's SOL?