When disputing with our friends at Experian online does the 30 days start the day you dispute? How many do you think you should dispute online during CHOD? Disputing online may be a way to control the timing of your dispute better. Also it can ensure your dispute gets placed, opposed to waiting for a CSR to say yea or nay.
When you dispute online it goes through that day (or the next day if you do it night--that's the way I count it anyway) During CHOD you want to send them in CRRR. This is the way I look at it. You can do what you want in the end. Why would you want it placed in dispute right away?? If you do it CRRR, they sign for it and the clock begins. Wouldn't you rather it sits there for a few days? Ok, so now you're down to 27 days that they have. She puts it in the computer, gets busy, nothing gets done on it for a few more days. time is running down. Then, it's her days off, and the holidays. If it works out right, there's only a few days left. Everyone is applying for credit, the CRA's are busy, understaffed. We'll just delete. (of course, if it were this easy, we'd all have clean reports, but you get where I'm going w/ this) If you dispute online, the ball is rolling much faster, giving them much more time to work on it. W/ the CRRR, the time starts whether they are ready to work on it or not.
Tracy, it has been my experience that a CRRR does not guarantee an immediate start to a dispute. It always takes them several days to process it anyway. I think that the mail is a bigger risk. Add the unknown for processing time for the CRA, and you may have missed the prime time for CHOD. Look at paragraph A below. I think this is why they drag their feet and get away with it. § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (a) Reinvestigations of disputed information. (1) Reinvestigation required. (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. (B) Extension of period to reinvestigate. Except as provided in subparagraph (C), the 30-day period described in subparagraph (A) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. (C) Limitations on extension of period to reinvestigate. Subparagraph (B) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph (A), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information cannot be verified. (2) Prompt notice of dispute to furnisher of information. (A) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph (1), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer.
Tracy and Lisa, thanks for your input. CRAs dragging their feet is what I am worried about, especially EXP. I think that doing your disputes online will be more effective if you want to dictate exactly when dispute starts. With all the mail they are expecting to get, they may sit on many disputes for a while.
I'm confused. When you say a CRRR doesn't guarantee an immediate start, does that mean that the 30 days doesn't start on the date that they sign the green card?? I've done every dispute online, but I'm using the CRRR method for CHOD. I've had very good luck in the past, but I'm going to be redisputing everything, so CRRR is the way I'll have to go. I think that CRRR won't make you miss the prime time for CHOD, as long as the green card is signed and returned. I think I may be missing something in your reply though. LOL I have a head cold and am reading w. one eye shut to see the screen, and I'm not thinking clearly. Sorry if this makes no sense! LOL
I think that's what a lot of people are banking on, the CRA's dragging their feet and running out of time. I'm not thinking that CHOD is going to be the answer to my dreams, but I sure as hell wouldn't mind if we had 6 clean reports between us!!
What Paragraph A says above is that there is a 5 day window for contacting the creditor. THat is the way I read it anyway. Also, that has been my experience. If I send a dispute CRRR, and I know that they signed for it on December 5th, it still doesn't mean that is the start date of the dispute. You can argue that it should be, but without a fight it never has been for me. I always have to call them and find out when they actually started the dispute. The CRRR, in my mind, only guarantees that they received it. It does not guarantee a start date.
Ah, see, I have always been under the impression that that date is the start date. Everyone here always says to give them 5 days from the green card date, and you should have your results by then (give or take because of the mail) Like I said, I've always done mine online, and I've always gotten my results w/in 30 days (though at the beginning I was unaware that my state requires it be done in 21 days-had I known, I would've been on the phone on day 22 instead of waiting til the 30 days) Hmm, I wonder if Butch or LKH have any comments on this? I'm curious now, about the date on the green card. I HAD heard about the 5 day window to contact the creditor though. I just didn't think it applied to the actual start date of the dispute.
Tracy, Your FIRST impression was the correct one. The whole point of the CRRR was to START the clock with the cra's. If they sign for it, they are in essence telling you they started the investigation (this is the same as if you disputed online or disputed by phone) - the moment they sign for the receipt the ball is now rolling and after that there are only two situations that can occur; either they bounce it back to you as frivolous or they process the dispute (either way they have time going against them) As for the concern about whether they drag their feet or not; WE WANT THEM TO!!!!!!! as long as we have the proof (the CRRR) the time element becomes their ememy not ours. -Sal
that's how I see it too. We want them to take days off, and be behind, and drag their feet. Then delete because befor they know it, the 30 days are up!
Exactly, after all why would we want to waste our money sending these disputes out CRRR unless we were looking for PROOF to countdown the time. Another thing I would NEVER do is to try disputing online, as this just makes it way too convenient for them to "verify" within the 30-45 day time limit. -Sal
Sal, how does disputing online make so conveniet for the CRA? It would not make any sense for them to sign the CRRR and then just wait to enter a dispute or call it frivilous. I think the management at our friendly neighborhood CRA is a little smarter than that. Disputing online is the best method to ensure you get your disputes in on an exact date and you can dictate when the clocks starts to tick. This is vital to get the best use of the holiday season.
Islandboy, I'm not professing to know all the ins and outs of how those bastards run their business, but all I can do is mention my personal results (and try to give some explanation for why it's happening) The facts are all I can offer here: -Disputing online tends to come back verified in a short amount of time (the only explanation I can give you for this is that there is less human error involved because they are not dealing with snail mail and they are not dealing with certified mail in a hard copy form) Its not just a coincidence they designed online disputing in the first place - I'M SO SURE IT'S FOR OUR CONVENIENCE!!!!! lol Again, I'm only speaking of my own experiences - your mileage may vary. Good Luck (I want all of you to win against those bastard CRA's) -Sal
sal, I here you. I have disputed online before to and came back verifired. My point is that to get the full effect of CHOD doing online may be the method to ensure you get your dispute started on a specific date. Of course I may be wrong. I have never sent a dispute CRRR and I have had some good results getting deletions. I have found that sending via regular USPS the CRA gets the dispute entered about 1 week from the day sent. Since our friends at the CRAs moniter this board that they may be wary of disputes coming in CRRR. But again I may be wrong. Like yourself, I can only speak from experience. My EQ is almost clean just a 3 more derogs to come off, TU just another 4. EXP is the big one with 15. This done via regular USPS and 2 online disputes. I am looking for the best possible way to deal with the friendly folks at Experian.
I have to disagree. FOr me, the things I disputed online have all come off. THe things I wrote in about they always found some problem with my phrasing or what have you. It's all BS, but I've had beeter luck online. Re CHOD, my plan is to dispute November 27th online. Thanksgiving is the 28th, and nothing happening for 4 days, guaranteed. If you CRRR they may not actually sign for it till after the holiday weekend. 30 days from the 27th is the 27 of December, smack in the middle of the Xmas holiday week. For my money, this maximises the time that they are out of the office, both at the CRAs and with the Creditors.
Islandboy, It seems like your doing very well cleaning your reports, but I can see experian has been giving you some serious grief (I hate them with every fiber of my being...lol) I bet come CHOD time you'll erase most of that crap from your reports (experian as well) Good luck, Sal
Starts the day you dispute if online. For CHOD tho, We should ALL be sending hard mail via CRRR. Bomb them with mail. Doing it electronically makes their job easier. Why defeat the purpose? There's plenty of time to prepare.
Butch, We are definately on the same page - Snail mail seems the way to go (and I have no other choice when it comes to disputing with experian) -Sal
