BK 7 discharged in October. I just pulled Equifax report and score(558) and I am ready to start the dispute process. Is the online form an acceptable way to try it. On the bankrutpcy filings, do I list as "not mine?" It will only let me select 11 items for an online dispute, and I have 2 bk entries(1 was dismissed earlier this year) and 9 accounts to dispute. 2 of the diputed accounts are with the credit union that I have the car loan with. I reaffirmed on both, yet they are showing "inlcuded in bk." How should I dispute those, because those are current, good accounts. Thanks in advance.
I am not a pro at this, but I would say the first thing to do is check your report for any addresses that are associated with account you are going to dispute and get rid of those first. The general rule for disputes is to do no more than 4-5 at a time. More than that throws a red flag. I, personally have used online and CRRR. Online is less expensive, however, you have nothing to show that they have recieved your dispute. CRRR does cost almost 5 bucks a pop, but you have a paper trail. This is NOT a fast process. It takes time. It was REALLY hard for me to get that I could not fix it overnight or in a matter of 30 days, but being patient has paid off. I started with the ones that I felt would be easy to get removed, I am now on the harder ones. Good luck.
I've read a lot of schools of thought on dispute strategies. Equifax will only let you dispute 11 at a time online, so if you have more than that, I'd split the disputes into two batches. You can have a max of two on-line disputes at a time, so file half one day and come back and file half the next. Some people will tell you not to dispute too many things at once. I've found if you don't dispute too many things on the SAME dispute, it tends to work ok. Most of the on-line disputes are processed by computers, who mail the comments you enter and your dispute to the OC for verification. If you're disputing things by mail, you need to be more careful so it passes a sanity test. Once you get the low-hanging fruit out of the way with a round or two, you need to get more strategic. If you get a creditor deleted off one CRA, send those results to another CRA with your dispute. It makes you look more believable. The conventional wisdom seems to be that the best time to challenge the difficult deletions will be in December. The 30 day limit doesn't allow for a 30-day period with two major holidays and lengthy mail delays. There are a lot more challengs in December for this reason and the CRAs (and OCs) are extra busy and understaffed (because of holiday vacations). Once you get a round or two into it, and are ready to tackle the difficult deletions, I'd mail them in individually. In a letter you can be more detailed in your objections than you can on-line. Additionally, mailing them in individually, instead of in batches, lets you get the results back faster. If you mail in a letter with 5 disputes, you won't hear back until all 5 have been resolved. If you mail in one dispute a day, you'll hear back as soon as each is resolved which will get you on to disputing again that much faster. Some thoughts...
If Tu and Eq deletes a item you actually send copies of those deletions to experian if they say they verified.
I wonder if that has worked for anyone or if it causes problems somewhere? I does make sense and I like the concept, but I don't know if I want another CR seeing it. Now I will wonder all night!!!
