How many times can you dispute an item on your credit if it has been verified?? Is there a limit? Thanks!?

Question

I just got done disputing 2 items off my credit and one was deleted and the other remains. I want to dispute it again but it says it was verified should I just let it go or dispute again? Is there a limit to how many times you can dispute the same item over and over even if it was verified?? Thank you!

Answer 1

If the item was verified, I believe it has to stay on your credit report, unless you have documentation proving the information is incorrect. Then you can re-dispute the item. Please send your information via certified, registered or overnight mail. Also be sure to retain copies for yourself. In the event that the information cannot be removed from your file, you have the right to add a short explanation to your file.

Answer 2

There is nothing in the Fair Credit Reporting Act that says you cannot dispute a verified item if you still disagree with it's accuracy. You can dispute it as many times as you want. However, the credit bureaus are not the nicest people to deal with and are mainly concerned with their bottom line so don't be surprised if you get letters in the mail stating that they already verified the item and won't investigate it again. KEEP TRYING. These letters are designed to discourage you. It costs them time, money, and manpower to investigate your information for free so they won't want to do it anymore than they have to. But, if you keep at them long enough and the more firm you are with your dispute, the more likely it is they will investigate it again. It's not uncommon for a previously verified item to be deleted after several re-disputes. You might also try putting 30-60 days between each re-dispute of the same item. This may give them time to drop the information about the previous investigation.

Answer 3

While you can dispute the item with the credit bureau, they do not have to investigate it more then twice. Any more then that is considered frivilous and they will ignore it (by law they can).

Let me explain how the "game" is played.

When you dispute an item, the credit bureau must "verify" the debt with the creditor. All this means is they will contact the creditor and ask if it's a legitimate debt. If the creditor responds back that it is, the debt is now "verified" and it stays on your records. No real investigation is done.

So your next step is to contact the creditor who posted this on your account (their name/address is on your credit report). Use the sample letter below. What you are now demanding is that they "validate" the debt. This means the creditor has to prove you have a legitimate, legal obligation to pay them anything. They MUST supply you with copies of contracts, bills, receipts, and everything used to calculate what they claim you owe them.

They have 30 days to respond. If they send you this information, and you can't find any errors in their reporting, then there isn't much you can do.

If the do not send proper evidence, or fail to respond at all, then send a copy of your validation demand letter, plus another dispute letter to the credit bureau and demand that the debt be removed due to "lack of validation". If they still do not remove the listing, you have grounds to sue both the creditor and the credit bureau for $1000 in small claims court. It's very easy to do, I've done this myself.

Note that many creditors will send you only a final billing, or some sort of form that claims you owe something. This is NOT proper validation. This is the information they would use in court if they tried to sue you. If they can't produce this evidence, then they don't have a case and can't post negative information to your credit report.

See the links below for sample letters and other information about this.

Answer 4

If an item remains on the report, the Credit Reporting Agency has to provide you with information on the provider who added the item to your report.

"When the reinvestigation is complete, the CRA must give you the written results and a free copy of your report if the dispute results in a change. If an item is changed or removed, the CRA cannot put the disputed information back in your file unless the information provider verifies its accuracy and completeness, and the CRA gives you a written notice that includes the name, address, and phone number of the provider."

There is no limit to how many times an item can be disputed. But remember, you also need to provide documentation defending your position.

"CRAs must reinvestigate the items in question—usually within 30 days—unless they consider your dispute frivolous. They also must forward all relevant data you provide about the dispute to the information provider. After the information provider receives notice of a dispute from the CRA, it must investigate, review all relevant information provided by the CRA, and report the results to the CRA. If the information provider finds the disputed information to be inaccurate, it must notify all nationwide CRAs so they can correct this information in your file."

It is a sad testament that in a country that boasts about a person being innocent until proven guilty, does not apply the same protections to our financial information.

Answer 5

You can keep disputing it but the bureau won't really do anything. You need to go to the company and talk to them. You need to get a letter from the company to get it removed. There is no actual investigation....ever.... on small consumer level. . It's all electronic. The company and the bureau send their info back and forth electronically. The only time you may see in investigation at a low level is when a judgement or BK investigation is done. They send people out to review the files every so often......Good luck!

Answer 6

you can write another letter to the credit bureau and request the method of verification which is your right under the FCRA section 611(a)(7). the credit bureau must give you this information within 15 days of the request.

Answer 7

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Answer 8

There is no limit.