Disputing

[Anonymous]

Is it best to call in dispute or online dispute.  My current EQ report it loaded with errors again.   I have disputed in past on my fico report and it seems to get worse not better. 

BOA is reporting current chargeoffs on my CC. ( It was part of 2009 bkrptcy and last actvity was 2006. 

[llecs]

IMO, disputing should be a last result, but if you did so, do it by mail. You'd want to include proof like a police report if an account isn't yours or copies of your BK info if a CC like BofA is reporting incorrectly.

[Duncanrr]

I just did a about 3 online disputes with each agency. I'm hoping for good results.

[RobertEG]

In my opinion, neither.

I would recommend use of the direct dispute process as opposed to disputing through a CRA.

The benefits are numerous, incuding avoiding their use of their e-OSCAR process, ensuring all information is recevied by the creditor, the possible avoidance of a dispute flag being placed in your credit file, and response directly back to you as opposed to the CRA.