Is it best do dispute items on my credit report to the credit bureaus online or by mail? Online it believe you can check the status pretty efficiently. Isnt this the best way?
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No, it is better to have a papertrail of the dispute - send your dispute CMRRR.
If the CRA does not fix it, then you dispute with the creditor. If they do not fix it then you sue them for FCRA violation. But you need to keep your paper trail. I have found that I only had to dispute with the CRA's except for one collections acct which the CA deleted when the CRA didn't fix it!
Filed CH 7 9/30/2008
Discharged Jan 5, 2009! Closed Jan 18, 2009
I am not an attorney. None of my advice is legal advice in any way.. -
Also should i send a CMRRR for every item seperately. ex. my credit report for experian has 3 different items i need to dispute. Should i send 3 different letters or just combine all 3 disputes in one letter. Im thinking its best to dispute them all individually?Comment
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IMO, its best to dispute individually, especially if you think one or more of the items will end up in a lawsuit for a FCRA violation.Filed CH 7 9/30/2008
Discharged Jan 5, 2009! Closed Jan 18, 2009
I am not an attorney. None of my advice is legal advice in any way..Comment
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I disputed all mine online and didn't have any issues. The only one that I was frustrated with was experian. I first disputed my mortgage being left on my report and they came back saying it would remain. I disputed it again and the second time they took it off.BK Ch 7 Discharged 09/2009 | Anything I say can and should be used as friendly advice and sharing of experiences with an unbiased viewpoint.
Scores: EQ 745 EX 704 TU 710 as of 08/15/2012Comment
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