in another post? I can't find it. Anyway, here it goes: "In the past, certain credit repair firms have attempted to deluge CRAs with numerous sequential disputes. They would send the identical dispute to the credit bureaus six times-once every three days. The CRA were not set up to handle such a strategy but attempted to do so using outdated procedures. When a dispute was received, it would be given to one of 50 clerks, who would in turn generate a consumer dispute verification form. The form was then submitted to the source of the information for a reply. Three days later an identical dispute would arrive, and the same process would be followed. The CRO alleged that the disputes wee not being returned to the CRA b/c the creditor (source) was confused. Perhaps he had returned one dispute form but not another, and as a result, the information was purged from the files. The CRAs used two avenues to combat this situation. The first involved placing a coded message on the credit report, which, for a period of 30 calendar days, depicted the identification and relationship of the consumer with a particular consumer relations clerk, thereby avoiding subsequent frivolous or irrelevant disputes. Avenue number two involved the deletion of information that was not returned from the source within 20 working days; however, if it was later returned, it was added to the file and treated as new information. This procedure appears to have been effective in combating such strategies used by CROs." Excerpt from "Repair Your Own Credit" by Bob Hammond
