I have a few derogs that are just not going anywhere. I'm wondering how many times you all keep disputing and what reasons do you give to get them to continue investigating? Is there a point where you just give in and surrender? Thanks! -Laurie
Never a point to surrender! Take some time off...yes! With Experian, you can only dispute twice, afterwards they refuse. If you're stuck there, you can then dispute directly with the OC (Although I'm not sure how successful you'll be). TransUnion took me 3 attempts. Equifax?? Not sure since I'm on my second attempt with them. You may not get everything removed right away, but you'll get about 67% removed, and that ain't bad...
As many times as it takes. I've only gotten the refusal to investigate once and that's part of my lawsuit against Experian (albeit a small part). If you give them any new info at all, they are supposed to reinvestigate. L
Whyspers, would new information include a different reason for disputing? Or would I have to provide some physical proof? One that is so stubborn is this stupid $20 paid chargeoff that has incorrect dates and is supposed to fall off in 10/02 but updates status to the current month every month! Making it look like I just incurred this chargeoff (even though purge date still stays the same). I can't believe the smallest thing is sticking like glue when I've gotten much larger unpaid accounts deleted, LOL.
you'll get about 67% removed, and that ain't bad... dfwgt ''''''''''''''''''''''''''''''''''''''''''''''''''''''''' 33% incorrect sure as heck hain't good.!
Laurie, ANY new information counts. That's why its a good idea not to unload your entire arsonal of dispute points on your very first dispute. Save some of that ammo in case you need to file for a reinvestigation. "As many times as it takes" is great advice. Ideally you'll become such a pain in the butt they will delete just to make you go away, (ideally).
I'll try the obsolete route now. I tried not mine and never late but no luck. I just can't get over how stubborn this $20 has been, LOL. I guess worst case, I'll have to wait till Oct. when it falls off but we're all impatient when it comes to getting rid of negatives, right?
§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (a)(5): (D) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer's file to other such consumer reporting agencies. This is what should happen but never does.
Wow, mindcrime, I didn't know that was in there! I wonder if anybody's ever used it by sending a letter to a CRA that deleted and tried to get them to get the others to delete? It might be worth a try. I'll try all the tricks I can to get these few stubborn things removed.
