Hi, everyone I have several items on my CR that are past the 7 year reporting date. I'd like to start sending dispute letters to have these items removed stating that these debts are antiquated, but I was reading in the "Library" section that you should only send one dispute letter every 6 months. Is that applicable in my case? I'm not disputing the debt. I'm saying that they are past the allowable reporting period.
Typically, any suggestions on frequency which you will find are just that, suggestions based on their experience what they've found, or believe that the CRA won't find frivelous... I've never really had problems getting disputes accepted... I've even disputed the same account back to back continously, frivelousness depends on how well you make your arguement, now if you dispute NOT MINE, repeatedly, after more than a few times it'll probably be rejected, but as long as your arguement is valid, you shouldn't have any problems (except with one frivelously frivelous CRA, which you probably have read more than enough about. )
Thanks, Jam237 I've been reading samples letters, but I don't see any to dispute an item being reported after the 7 year limitation. Should I be looking for a validation letter or a dispute letter?
I have had success by writing a very simple dispute letter that listed the accounts that were obsolete. They were removed without an issue. However, I only had 3-4 to be removed from each CRA and I am not sure how many you have to remove.
Would this wording work? I request that you remove the following items as they are obsolete exceeding the legal reporting limitation of 7 years.
I deleted my addresses and obsoletes in the same letter, so I pasted the part that might be of use to you in formulating your own letter. The tone I used in the beginning of the letter was relaxed and informal (I didn't include that here) and then got more business like at the end. As for the credit information contained in my file that is also inaccurate: Account #xxxx is for a xxxxx account that is past the 7 year reporting period by about 2 years. This account is obsolete. (and so on) I am making a request to please investigate this matter. The items being reported are completely inaccurate and a serious error in reporting. Please delete this outdated information and send me a corrected credit profile. Under federal law, you have thirty (30) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your investigation. Thank you for your time and attention to this matter. Sincerely, Ice SSN D.O.B
