If you have say 17 items to dispute, what is a good way to do it. Currently my plan is to send in 5 disputes to CRA then wait for resolution. Then 30 days after the items are resolved/verified, send out again. Is this correct or no? With 17 items, it is going to take about 12 months to go through them all. Thanks
Some people say to do that. I disagree as it's just impractical time-wise. I'm assuming the 17 are with one CRA and this is your first round of disputes... If they are with Equifax, divide them into 4 parts and mail one part a day for four days. It's easy to dispute on-line with Equifax (something you could also do in 2 parts for the first round). If you're disputing my mail, try to send in one or two per letter per day. If you put everything on the same letter (or in the same on-line dispute), then you don't get any answers until everything in the dispute is resolved. Disputing on-line with Equifax is easy, but they don't allow you to make up your own dispute reasons. Checking status mid-dispute is impossible, unless you pull a new copy of your credit report and look for changes. You can only dispute on-line with EQF if you have less than two disputes pending and can only put 11 or less disputes in one request. If you have two or more disputes pending, you have to do it by mail, phone or email. If it is Experian, I would dispute them all on-line. Exp has a great website and you can check status on a daily basis to see items as they are resolved. If you go through their 'start a new on-line dispute' thing every day, you can basically view an updated copy of your credit report, with dispute status, every day. As individual items are resolved, you can re-dispute fast fast fast. If EXP won't let you re-dispute an item on-line, I've had the best results with later rounds on the phone. Alternatively, dispute by email and save the 'was previously investigated' replies for your lawsuit. TransUnion has, by far, the worst website for disputing. There's no way to check status mid-dispute and you have to key in all the account numbers yourself. I'd mail them letters in batches. Another note: the FCRA gives the CRAs 30 days from RECEIPT of dispute to resolve the issues. Sending it by mail costs them a day or so just to get the dispute into the system and sent out. On-line disputes get quicker results, but mail disputes have a slightly higher chance of success, due to the time lost in processing and the increase chance of human error.
Thanks for the reply. I have been at it for about 5 months now doing as above. I just looked and it is 12 left not 17 with 5 being looked at now so I will send the others in over this coming week and see what happens.
