I have over 30 addresses listed and I would like to dispute and have removed as many as possible. Is it best to do so in writing or over the phone? Should I do only a few at a time and if so what is a respectable number? TIA!
Your welcome keep us informed of your progress.And if you have any questions keep asking!You can learn alot by using this site.Theres other sites but this is the best for getting good solid advice without any smart-ass answers.
I am happy to have found the site. My credit is such a source of anxiety but it is not getting any better ignoring it!
That's true but when you understand it's repairable,you will understand that this will pass and better days are in the future,start now,millons of people are just starting to understand there going to be in bad shape soon.So you'll be ahead of the game.
I'd just put them all in writing and ask for them to be removed insofar as they are obsolete. Equifax and Trans Union will but, Experian will not. Just a heads up . . .
So far I have only been working on the Experian report and disputing the addresses online. I have disputed 15 and 10 of them have been removed. I have been disputing 3-4 each day. Should I give it a rest for about a week or so or just keep going?
If you bother them too often about the same thing without submitting any additional evidence or threatening an FCRA lawsuit, they'll put your file in "ignore" mode and just toss all your requests in the trash. They set this up because one form of "credit repair" was to spam the hell of them until they couldn't keep up and have to delete an entry because they couldn't verify due to the volume. Now they consider such requests something just short of harassment and just ignore ALL verification requests for that consumer as a way to throttle incoming requests to a manageable level.
Are you stating your removing addresses with "Experian" or do you mean Equifax. I didn't know you could remove addresses online with Experian.
Experian, for me, has been a crap shoot. Some that are almost duplicates (e.g. missing the apartment number or street number transposed, etc.) were easy. One that never actually lived at but was placed by a collection account that was since disputed and deleted has stuck like glue in spite of numerous letters, on-line disputes, etc. I just got tired of fighting and didn't feel like taking it to the next level for something like an address. Some day if I get motivated (and bored) enough to pursue it, I might. But for now, there it sits, carved in virtual stone.
I meant Experian. After I requested my report online I was able to click "personal" information and click the actual address and dispute it. They email me letting me know I can check the results of my investigation.
