Oh my, what a job I have. Long story, not my fault, bad health, but ........... if you have experience or knowledge in doing credit disputes, about 25 to be exact, did you use snail mail with 2, or did you use online dispute with Experian as in question. I will take any help and advice you'd like to give. Help please.
2007-03-01 14:45:20 · 4 answers · asked by ? 4 in Business & Finance ➔ Credit
When starting credit repair you should opt out (look in my profile for the FTC Opt Out link) and also update your personal information on all three credit reports.
It would also be the best if you ordered your paid reports from each CRA (credit reporting agency) rather than ordering your free FACT-ACT reports or using a tri-merge report.
Using the free reports gives the CRA's an extra 15 days to investigate your complaints. Tri-merge reports are known to be inaccurate in themselves.
The disputing period is 30+5 days when using a paid report. The CRA's have 30 days to investigate your dispute and the 5 days is the general time for mailing the results.
When you have an active dispute going with the CRA's - "never" contact the CRA's for "anything" until they have completed their investigation. If you contact them, even if it is for something that has nothing to do with your dispute, they will probably add an extra 15 days onto your current dispute.
For your first dispute you might do a handwritten blanket dispute. If you have many that are showing the same violations you might say that you are disputing the following accounts for
After the CRA's complete their investigation of the first dispute and there are still remaining inaccurate TL's (tradelines) start disputing them in small groups of maybe two or three at time.
Disputing online is fine and some do that with success. I personally prefer to mail in my disputes, keeping a copy of the dispute in my files.
There are a few reasons why I prefer snail mail. One is if a handwritten dispute is mailed, it has a good chance that it will be looked at by a live person and not automatically verified by a machine.
Another is if it ever comes to a point where the CRA's or the data furnishers continue to violate my rights by verifying and reporting inaccurately, having a hard copy to use when filing complaints with the BBB, FTC and state AG's is far more effective.
If it has to go further, with a law suit for violations, the courts prefer the hard copies over screen shots.
the above is my opinion
2007-03-01 19:39:55 · answer #1 · answered by echo 7 · 2⤊ 0⤋
Hi there:
I had a little mess with my credit with all three agencies when I refinanced my house 2 years ago. They had me mixed up with someone who had a name close to mine. Anyway, I did it online with all three. I don't know why you can only get Experian to do it this way/ Anyway, it worked better for me online as I could see the info I sent in, if they had read it and the status. It was pretty quick as far as credit agencies go-about 1-2 months. Experian was the worst though. They had multiple mistakes that the other 2 credit agencies did not have. But just follow up, make copies and keep checking. I kept files of all 3 agencies separately and it helped me to keep track of the progress of each and if they had in fact addressed my mistakes. ASK THEM TO SEND YOU AN UPDATED AND CORRECTED CREDIT REPORT. When you receive it, recheck it and make sure all mistakes are corrected. I had about 12 disputes and I just highlighted them on my original copies and compared them with the updated corrected ones sent to me by the agencies after I disputed them.
Sorry about this. It is a pain but will get resolved. Also, try calling if you can and seeing if that will expedite at all.
2007-03-01 14:57:45 · answer #2 · answered by angelina123 2 · 1⤊ 0⤋
You can actually dispute online with the other two bureaus as well.
2007-03-01 14:52:45 · answer #3 · answered by Mariposa 7 · 1⤊ 0⤋
Disputing them on-line is the best way. If you would like to learn how to repair your credit then visit
http://www.thecreditrepairmanual.com
2007-03-02 01:44:57 · answer #4 · answered by Anonymous · 1⤊ 3⤋