Ditto! I went in to see the results of my dispute, even though I said I was denied credit in the last 60 days it wanted to charge me!! wtf?
That's a good one. I can see the offer now: "Delete negative tradelines for only $12.95! Please allow seven years to process your order." wajaba
I called TransUnion earlier and asked why my disputes that I did online are not disputed. She told me that she had no idea and TU is changing lots of things on their internet home page. Here's where it gets good. I asked her as a joke if it costs money to dispute online. She replied by stating "soon you can pay money to dispute online, or you can send mail for free" I asked her if she has been drinking on the job, she said nothing is free in america. I told her to get some help then hung up on her. Their is no way they would charge to dispute, it is against the FCRA. I thought it was a funny story that I wanted to share with everybody on the board. P.S. - I wouldn't doubt they charge to dispute in the future. (lol)
§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (a)(1)(A) In general. If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. -Peace, Dave PS not sure how "notifies the agency directly" is interpreted in the case of online dispute.
I think I may be alone on this one but TU may be within their rights to charge for online disputes. As long as they give you the option to dispute via snailmail/phone for free, they may be in the clear.
You are not alone...that is what I meant by: not sure how "notifies the agency directly" is interpreted in the case of online dispute. I think they may have a case in being able to charge for the "online" disputing...it would be an "alternate" means of disputing, and therefore they have a case for being able to charge for it. Blood Sucking SCUM! -Peace, Dave
The FCRA states that a person may dispute anything that is not correct on your credit report. If they offer online disputes, it must be free stated by the FCRA.
I agree: You could notify them by carrier pigeon pony express smoke signals a note in a bottle dropped in the sea or any other way including on line as this isn't what FCRA is addressing. Now matter what means of comminution used it is still direct notification if you are doing the disputing yourself. >>
Direct: You notify them yourself rather than somebody else notifying them on your behalf. The emphases here is on the messenger rather than on the method or manner of communication.
I don't stink so. A dispute is a dispute is a dispute. What if they decided to do it free on line or charge for snail mail disputes? Where does it say in the law-Can not charge for disputing except?
Okay. I tried it and got it to work. TU Score = 611 TU FICO = 655 I hear rumblings that pulling your FICO score may affect you score negatively for some odd reason. I hope this is not the case.
YES, pulling the fico results in a hard inq, which reduces your score. Hapened to me -- lost 4 points, and now the negative factor listing includes too many inquiries, where before it did not. Be careful.
