Bud Hibbs says no CRRR for disputes

I think that's ridiculous, but that's just my opinion. Why would CRRR create an attitude of hostility. Afterall, we all know that sometimes the post office falls down on the job and we just want to make sure the post office delivered it like they were supposed to...lol.



L

 

I have never used CRRR for my disputes. Never had a problem with that aspect of it.

 

I send out a lot of , as george says, "cosmetic disputes" via regular mail. Seems to work fine. I only resort to CRRR when I don't get the results I'm looking for or the dispute gets ignored.

I don't see any reason to spend the extra time and money unless the CRA has given you a reason to be concerned.

 

From what I understand (vs. from what I think I understand) the goal is to initially look as much like the avg. joe, or jane, as possible. You don't want to be flagged as someone who is actually trying to "repair" (gasp - the horrors of it!) their credit. Don't throw in all kinds of legalise and go citing all kinds of regs. Just a simple saw this on my report and it is wrong kind of thing. Similarly, sending CRRR could at the least imply that that you've read something somewhere or even worse are being coached by a credit repair organization or worst, a credit repair chat group. The avg. Jane, or Joe, doesn't send things CRRR unless directed to do so.

If they ignore you, THEN you stop being average.

Just my 0 cents worth.


p.s. - you can verify they got it by calling and directly on-line w/Experian I believe. EQ shows item disputed by consumer if you can pull reports daily.

 

Budd updates his website at least once every 100 years too. LOL

In the "good old days" this was right. Way back when CRA's cared how they did their jobs and were at least somewhat on top of things.

Today however, completely different story.

I wouldn't pay that much attention to Budd Hibbs website.

Your cutting edge technology is on CreditNet.

1. If you start your dispute CRRR, you wouldn't be ignored

2. Part of the disputes success is taking them by surprise. They would love to spend 3 months on your dispute if they could. When you start off regular mail they can ignore you, (35 days). Then you start over disputing CRRR, (35 MORE days). Now add all the BS they uaually pull and boom, there's your 3 months.

3. CRRR does convey to them that you are serious about getting resolution WITHOUT alerting them that you're a credit repair expert.

4. CRRR is a matter of routine for serious mail and nothing more. They cannot distinguish you as, what was pointed out an individual who merely wants to make sure the PO did their jobs, from a CR expert.

The good of CRRR, outweighs the bad, IMHO.

 

In the case of "cosmetic disputes" there would be no reason to send cert. However, in the case of someone trying to remove derogs, the whold purpose of sending cert is to be able to show at some point in the future, if necessary, that they did in fact receive it on xx date. Creating a "paper trail" may be important at some point in a persons attempts to clean up.

 

My point was simply that you should at least try the easy way once. A lot of folks around here have gotten derogs removed with a simple dispute online or via mail. If you can't get it done the easy way, then step up to CRRR and start building the paper trail. It's really a matter of time. Do you want to wait 30 days to start building your case if necessary? Don't use a howitzer when you might be able to get away with a pea shooter.

And as my dad used to say, don't bring a knife to a gun fight.

 

YEAH what LKH said.

Looked at another way suppose you did send a dispute that gets ignored. That's a lousy time to WISH you'd have done it CRRR.



The PERFECT scenario is to send a dispute CRRR and actually have it ignored.

wOOhOOO that's juicy!

lol

 

No doubt you have a point too Wolverine. If you have plenty of time regular mail may be the way to start. If it ever did get to court tho, they will deny receiving your first dispute letter which detracts from the paper trail LKH mentions.

It's a matter of each individual case really.

Also I don't think CRRR is a howitzer. LOL

Sending copies of case law now yep, that's a Howitzer but CRRR is just a slight hop up from regular mail.

 

I have to say that most of my luck has been by speaking with the cra reps over the phone. you can play dumb, and it gets the clock started ticking the fastest. And the person you speak with is never the person who does the investigation.

I also think Faxing is very effective. At least it has worked for me.

 

When I first started cleaning my credit, I signed up with Junum. They sent the disputes out regular mail. TU and Exp. both acknowledged receiving the disputes. Equifax had to be sent the first round 4 times. The first 3 times were regular mail and they kept insisting they didn't receive it. I finally convinced Junum to send it out certified mail. Guess what? No problems after that.

 

1. If you start your dispute CRRR, you wouldn't be ignored
Butch
=================
Compare the results of being ignored with Reg. Mail VS CRRR .

LB 59

 

All I know is when I took a CRA to court, the judge loved my certified receipts.. and I had to prove my case even though they didn't show up.. I would not have won without those crrr's.

It also helped me get two other derogs removed when I sent ITS letter with the name of the folks who signed for the letters... they sent me deletion letter within two weeks...

 

Well, I have to agree with Butch...Bud Hibbs does update that website every 100 years! The information on there is outdated and irrelevant to credit repair today.

CRRR is great for those toughies. The ones that you might have to go to court with. Plus, whenever I send a validation letter to a CA, I always send it certified. I learned my lesson the hard way with a CA. Back when I was a newbie, I sent the letters regular mail and even followed up with a 2nd notice regular mail (stupid me!). They ignored me and I had to send the dispute all over again this time CRRR. This time I didn't get ignored.

Certified is a must for CHOD.
Certified is NOT a must for cosmetic disputes.
Certified is a must for toughies.

IMHO, I'm willing to spend whatever it takes to get these reports cleaner. Even though each CRRR adds up, I think I've only spent about $100 on CRRR. Not a bad price. Consider how much I would have spent if I used a credit repair firm.

 

A bit off topic but:

For CHODs, should I include all of the disputes in one letter or dispute each item in a separate letter but mail together or should I mail each separate dispute on a separate letter and mail separately?

Thanks

 

bump

 

You may want to reconsider that. The cra's have been twisting the FCRA to say that any additional info they receive after the first dispute can delay your investigation by up to 15 days. Per the FCRA they can do this only if you send additonal info on the initial dispute, but cra's play games.