Hi all: I am very new at CREDIT DISPUTING and would like to know if its a good idea to dispute Transunion online. I have 4 credit card charge-offs from 1998/99 and 2000. and also a couple os accounts in colections. If OK to dispute online, should I dispute all 4 charge --offs and the 2 collections account at the same time??? Or over a period of time?? Also, is it possible to get a Judgement off the report if I pay it off?? How do I get creditor to do this one? Please advise ASAP. Thank you. Jam
So its OK to dispute ONINE?? Or better to do it by mail?? If ONLINE, how do we track the 30 days timing?? Jam
I did my disputes online and it worked OK. Trans Union has always sent me a letter telling me they are aware of my dispute and when the start date is. On the others I've been able to print out a page that shows that start date. 3-4 seems to be the number eveyone recommends.
I ALWAYS do mine online, that way I don't have to write a letter, and explain the dispute. I just print out the dispute at the end. EQ is the only one I can't really print, but I've had no problems. I have never gotten a letter saying they have received my dispute, so if you don't get one, don't worry about it. Many people here get them. I think it may be which branch of the CRA handles your dispute. Anyway, don't worry about doing it online. It's quicker (no mail time) and it's easier, but that's JMHO. Everyone has their own ways! Good luck!
Thanks for the info you have giveen me. I will give it my first TRY today. I don't have that many negatives-- just DISPUTING the following, any TIPS?? 1) Cross Country, last activity 04/99--charge off 2) Another Cross Country, no Date of last activity--also Charge off 3) 1st Consumer National Bank, last activity 08/99--charge off with 0 balance 4) 1st Premier, last activity 04/99--charge off 5) Two accounts (electric bill and Gas bill) in Collections, last activity from 04/99 and 02/99 6) One car installment, last activity 04/00 ( have 12 90 days late on this one) 7) One civil judgement which says--verified--09/98 #6 and 7 is being paid off this time, so how do I get them to get this negative off the report?? Thanks, Jam
I ahd a judgement and disputed as not mine and it got removed. If your gonna pay it off demand deletion as part of the agreement. On charge offs everything I've read here says start by saying not mine and see what happens. I got a few deletions this way. Online is very easy. You just click on the reason for dispute. Good luck.
You cannot negotiate that a judgment be removed b/c its a public record. The only hope is to a) dispute it with CRAs and they delete b) have the OC vacate the judgment (that's another ball of wax).
I think its ok to dispute online. I did and got one removed. Although, they only give you certain options to dispute, not mine, never later, etc.... so if you wanted to dispute lets say wrong dates, they dont have that option. Anyone else find that as an issue? Do you have a work around?
Hey all: I just went ONLINE to TRANSUNION and Disputed 4 items as NOT MINE. How soon will these be OFF the report---if they were to be REMOVED during this first round?? Will TRANSUNION send me a copy of the report in the mial?? Or How and where do I keep checking ONLINE?? Thanks, Jam
Could take 30 days, or less. Remember that they have 5 days after the 30 days to get the results to you. I usually start the 30 day clock at the next business day. TU and EQ will always mail you a new report w/ the results.
Now that I have DSIPUTED 4 items from the report, when is it best to do the others?? I have another 4 left. Thanks. Jam
I did a dozen with EXP but I did a few every couple days so it didn't look like I was goofing off. It's hard to tell if it made a difference. I got my best results from EQ and I did 4 every 30 days. TU should send you a letter in 7-10 days confirming that you have a dispute.
