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  1. #1
    Chadmom is offline Newbie
    Join Date
    May 2012
    Posts
    2

    TU disputes received back... What to do next?

    I went online and disputed about 5 accounts. I didn't realize
    should have only sent between 3 or 4 at a time.
    Four were deleted/removed and one was verified.
    So what do I do next? I am new to this and do not expect to my mistakes to go
    away over night.

    Questions:

    Do credit bureaus report results of dispute to each other?
    It looks like all but one that was deleted from TU is still on the other two.

    Do I need to dispute those now? Do I need to space out the time I dispute with each different agencies? I read that you need to wait 90 days before sending more disputes. I don't want
    to mess it up.

    Thank you so much for any help. I got my TU score up from 549 to 625. Yay!

  2. #2
    JoshuaHeckathorn's Avatar
    JoshuaHeckathorn is offline Administrator
    Join Date
    Jan 2008
    Location
    Seattle, WA
    Posts
    3,205

    Re: TU disputes received back... What to do next?

    Congrats on all the deletions and the improvement in your scores! You'll need to dispute separately with each CRA, but there's no need to wait if you haven't already disputed through that specific CRA.
    Creditnet.com: Get free credit advice & find credit cards that fit your lifestyle

  3. #3
    Chadmom is offline Newbie
    Join Date
    May 2012
    Posts
    2

    Re: TU disputes received back... What to do next?

    Awesome! Thank you.

  4. #4
    jam237 is offline Senior Member
    Join Date
    May 2003
    Posts
    3,098

    Re: TU disputes received back... What to do next?

    Chadmom, there is something that you'll see here referred to as CHOD (CreditNet Holiday of Disputes), basically, right at Thanksgiving, people would send disputes of as many accounts as they could to each CRA, to hopefully get as many deletions as possible because of the number of holiday days in that 30 day window. :)

    Really, there aren't too many hard and fast rules about how many disputes to make at once, I recently did 30+ trade line disputes at once; that said, it may be easier to manage a fewer number, just in case there needs to be follow-up work to get rid of a few stubborn trade lines, which is why my next rounds of disputes focused on only 5 accounts that were verified despite being incomplete, inaccurate, and unverifiable.
    --
    jam
    An educated consumer.
    Why Time Barred C&D = Delete
    Pulls and PRMs


    Daniel Webster: You seem to have an excellent acquaintance with the law, Sir.
    Scratch: Sir, that is no fault of mine. Where I come from, we have always gotten the pick of the Bar.
    The Devil and Daniel Webster, Stephen Vincent Benet

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