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Question about disputing legitimate errors with the CRAs

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2b2rich
Established Contributor

Question about disputing legitimate errors with the CRAs

If I have tradelines with more than one error on them, can I dispute all of those errors in my dispute letter to Experian, or will I need to choose one error per tradeline and then when that dispute is completed, choose the next error on those tradelines in a new dispute?  I ask because Experian's online and downloadable dispute forms state to choose only one for each tradeline disputed.  I hope this all makes sense?

Chapter 7 Discharged & Closed Jan 2020
Message 1 of 4
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FireMedic1
Community Leader
Mega Contributor

Re: Question about disputing legitimate errors with the CRAs

Could you explain what errors there are? Just to make sure they are legit before updates and score drops happen.



BK Free Aug25
Message 2 of 4
2b2rich
Established Contributor

Re: Question about disputing legitimate errors with the CRAs


@FireMedic1 wrote:

Could you explain what errors there are? Just to make sure they are legit before updates and score drops happen.


Mostly like the one I showed you the screen print of.  I have 10 accounts that were IIB with zero lates before filing, then after the creditors were notified of the BK7, all of these accounts were updated to the CRAs with 90+ days late and many as Charge Offs for that month.   The payment history even shows no lates prior to filing.  I took your advise and sent a screen shot to my attorney and he advised me to dispute them all with the CRAs because we can sue if they don't correct them.  So it's the 90+ days late in the 'Older Derogatory' section, the CO in the payment field for the month I filed, and the Charge Off/Other Derogatory remark in the Worse Delinquency field.  Am I looking at 3 sets of disputes that will take me about 3 months to complete?

Chapter 7 Discharged & Closed Jan 2020
Message 3 of 4
2b2rich
Established Contributor

Re: Question about disputing legitimate errors with the CRAs

I also have 2 accounts that were paid in full and closed in good standing 4 years before I filed BK7 and the creditor updated those to IIB. :/

Chapter 7 Discharged & Closed Jan 2020
Message 4 of 4
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