out of excuses

**edoggie** · 02.01.2003, 11:31

What the heck do you use after:

not mine
wrong balance
wrong DLA
wrong high balance
wrong verified date!
wrong past due balance

I'm out of ideas. I'm down to three negs and need something to knock them off. All these accounts are OC's accounts. Thanks

**dixidriftr** · 02.01.2003, 11:46

you left out "never late" and "included in bankruptcy"

**Luke** · 02.01.2003, 12:13

This brings up a question I've been wondering about. After initially disputing an item as not mine and having it come back verified, can I change my excuse to never late or wrong balance, etc. without being labled frivalous? Won't they know I was lying the first or second time around?

Thanks
Luke

**jlynn** · 02.01.2003, 12:40

Originally posted by Luke
This brings up a question I've been wondering about. After initially disputing an item as not mine and having it come back verified, can I change my excuse to never late or wrong balance, etc. without being labled frivalous? Won't they know I was lying the first or second time around?

Thanks
Luke

Well, since you originally didn't think it was yours, and after verification, you dug thru your records...you did find xyz acct., but you KNOW it was never late.

:)

**bigmon** · 02.01.2003, 14:37

I've disputed everything on my report 3 times as not mine and haven't been labeled frivolous.

A trick I discovered is if you dispute online the system will tell you if they'll investigate it or not.