Credit dispute?

Question

I disputed several items on my credit report with Transunion. They sent me an E-mail about a month ago saying the will send me the results and or an updated credit report when the investigation is complete. If the creditors did not respond within 30 days are those items deleted from my credit report automatically and if so will they be taken off the reports from the other two credit bureaus.

Answer 1

Yes, if the creditor doesn't report to Transunion in 30 days (sometimes 45) the item will be deleted. No, this will not happen for the other bureaus. You need to didpute items with each bureau. FYI-- I dispute online and via mail, on the same items, this sometimes confuses the creditor and they only respond once. Then your account will be deleted just because they didn't pay attemtion.

Answer 2

The information disputed will be removed automatically from Transunion only. Unfortunately you will have to dispute the information with each bureau individually. The three separate companies do not talk to each other. This is a pain but it is necessary. If you compare all three reports you will see they will vary in the information that they contain. The best way to see all three at once and your credit score it to visit this web sight FreeCreditReport.com, now I know the title says free which it is if you sign up for the monthly monitor service. It's $12.00 a month and they will email you when any information on any of your reports change. To get all three it will cost you $24.99, and you can view it for 30 days on line and print it, or you can write to each bureau for a free copy once a year, but you must include all address and employers for the last five years and takes about 30 days for them to reply.

Answer 3

The Answer to your two questions: Are No. You have to prove you did not make the credit card transaction's by obtaining the signature of the signed receipts from the supposed department store alleged purchases were made, compare signatures.
Unfortunately the burden of proof is up to you. Most credit card companies will dispute items and charges for you. Upon your request. If not as I said the burden of proof is up to you. Statement of anyplace you were on those date's, that will show without out doubt you could not be in two location's at the same time, would be invaluable. Read your fine print on your credit card agreements, regarding fraud, and theft of your credit card number etc.
Also the creditors that reported the information to as you say Trans Union, have already sent in their burden of proof of say purchases to a collection agency, and thus reported after that to all 3 major credit bureau's.
It sounds daunting by so true. They are not required to respond to the Credit Bureau's within a 30 day time frame to Credit Bureau's - however if you deal directly with the credit card company directly you have a lot better luck, in dealing with these kinds of issues.

Answer 4

Each bureau performs their own investigation and reports their findings independantly. I have seen items removed from 2 reports and not from a 3rd. Yes, if a creditor does not repond within 30 days the bureau must remove it.

Here is some additional info. Hope this helps.

Answer 5

you will possibly desire to seem on the settlement section oftentimes the element you drop on the floor while your invoice is attainable contained in the mail approximately what to do in disputes. greater often than not you may desire to tell them of the element you're disputing (a charge you probably did no longer authorize, and so on.) in writing and waitr for his or her reaction. some credit businesses nevertheless require you to pay them the disputed charge on the time your charge is due mutually as others say you do no longer might desire to pay that section till the dispute is settled (it takes a mutually as for them to check out oftentimes that's over in ninety days). Say the policies are you may desire to pay 3% of your account stability or 20$ whichever is larger and you have a stability of 1000$. even with the undeniable fact which you're disputing a charge of a hundred and fifty$. in the adventure that your settlement states which you do no longer might desire to pay any disputed portion of the account then you definately subtract a hundred and fifty from 1000 and pay 3% of that. in case you probably did no longer dispute something your charge qwould be around 30$ in case you probably did dispute that quantity then your charge could be 25$

Answer 6

Yes you need to do it with all three to get it off of there and it will take at least 90 days if it is going to be deleted.

You credit score will go down if you dispute too much too.

Answer 7

no you must dispute with all. The only way they will come off completely is if the company that placed it there deletes it completely.