My one and only dispute is sitting in my mail box as we speak waiting for the mail person to come and get it. I'm disputing 1 negative trade line with EX. I use Stamps.com so all I need to do is keep a supply of forms handy and I can mail my stuff CRRR from home. Good luck to all.
The downside of doing that is you don't get the certified mail receipt stamped and dated so you have no proof of when you actually mailed it (I could be wrong though)...
I sent a procedure request to EQ on the Nov 19th and they signed for it the 21st. Thats two days from MD to GA.
Uh you have absolute proof the day you submitted your dispute online just by printing it out & by the conformation number you get back(equifax), Experian you number stays the same and your able to check it daily. & TU all you have to do is call. So where is the advantage again?
If you have to go to court to get deletions, what holds more weight? A stamped CRRR from the USPS or a computer print out or a statement saying you called ??????
Have YOU gone to court and had YOUR case thrown out because of that technicality? If so then i guess no one should do it online then. Plus you get your credit report (after investigation) sent to your home showing the ones you disputed in the first place. Not trying to dispute with anyone, but Im trying to just see where the clear cut advantages are.
How do you guys feel about sending the disputes regular First Class Mail? I usually send them this way and don't have problems. I just don't have money to send every single one CRRR.......
Any other time no biggie. During CHOD no way! They will be overloaded and likely will not get to your letter for quite some time. With CRRR as you already know it's the date they sign for it that matters. With no signature suring CHOD you are wasting your time regarding the CHOD advantage.
I have actually read on a cpl credit experts sites that advocate sending them regular mail, and communcating with collection agencies and original creditors and the like with CRRR. I myself sometimes just send it just certified mail and then visit the USPS site to verify when it was delivered. You can save the receipt showing the address your sending it to.
I HAVE gone to court AND so have many of my clients. I can state for a FACT that a CRRR holds more weight that any other option (aside from process server) in the eyes of the judge/magistrate. SO if you want to dispute yours by phone, feel free. . but don't come back to the board after they have failed to taking ANY action after 30 days and claim they have no record of your dispute, asking where you went wrong.
I brought mine to each cra today manually. They gave me a receipt at the door. Would you believe they even have a CHOD department at TU? My chod's are in with all 3 as of today.
Humblemarc, I have not and will not ever do mine by phone. My post was about online vs mail thats it, thats all. Continued success to you and your clients.
and how did you bring yours to each manually? Do you mean in person? aren't they in different states? Experian - Texas TransUnion - Pensilvania Equifax - Georgia ?????
But they still have 30 days.....I will mail them tomorrow, and give them 7 days to receive it.....I don't see what the difference is.....they still have to adhere to the law, don't they?
Perhaps you don't get it. Yes they have 30 days, but the question is thirty days from when. With CRRR you have proof of when that 30 day period begins. With regular mail you have no proof. Do not think for one moment your estimate of when it should arrive will stand up in court it won't. The bottom line is this is a busy season for the CRA's hence the point of CHOD. If you have no proof of when they recieve it the 30 days could start in January and it wouldn't matter because you have no proof of when it was mailed and more importantly you have no proof of when they received it. If you are set on sending it regular mail to save yourself a few dollars then the bottom line is that's your choice, personally I would be willing to pay $100.00 in CRRR if it gave me an advantage (opportunity to get deletions enmasse).
I do get it....If I date the letter on the 26th, and I mail it that day, I am giving them 7 days to receive the letter......They still have 30 days. In 30 days, I will enclose a follow up letter, that includes my original letter. THEY must follow the Law regardless if I have proof or not. If they can't verify in 30 days, they have to delete. That's what the law says. I'm sorry if I don't have the money to CRRR everything, I personally prefer to First Class Mail every piece of mail that I send to the CRA's. It tells them that I'm not a professional disputer. Maybe they will take my letter more seriously than they take yours. Just my opinion.
erica there is NOTHING wrong with just sending it regular mail that is how most do it my 3 were like 13.20 which is a damn rip-off if you ask me
Erica, what if they say they never recieved any mail? How are you going to prove 1.) you mailed it. 2.) it didn't get lost in the mail? Sending things CRRR does not indicate a "pro" disputer. And i highly doubt the $7.50 CSR who enters in the disputes puts in a special notation to "make sure you verify, because the letter was sent CRRR."
