What is the purpose for the disputes? Is there something incorrect with the posting? Do you have proof of it?
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@lolows wrote:
To remove negative items on my report.
That would mean the dispute is frivolous and without merit. The dispute system was created to remove incorrect infornation from your reports. Just because it is there is not a valid reason to dispute. If a baddie is reporting correctly, there's no reason for a dispute, a GW to whomever is reporting would be more appropriate.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
The purpose of the credit reporting system is to give lenders an idea of your credit worthiness. If you had a debt that went bad and it appears on your report, then it is reporting correctly and shows that you have had a problem. myFICO is not like some of the other credit forum boards that will advise anything to get things off of your report. We follow the CROA guidelines when it comes to working on your report.
Therefor we do not allow the disputing of accurate information to be discussed on the boards. If you have an inaccuracy, then that is cause to dispute, such as the wrong name on your report. But in answering my question earlier, you stated because it was on your report, which is not a valid reason.
Some people are too quick to hit the dispute button, which can cause problems of its own. I was recommending a different approach to the situation. Such as a direct dispute or a GW.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@lolows wrote:
I disputed it both ways. The reason u first disputed it because the amount was high owed and it didn't show who the debt was owed to. Sorry for the confusion
Valid disputes. Now you said one of the CRAs verified it. You need to send a 623 direct dispute to the creditor now.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.