Has anyone ever received this or gotten their account flagged? I am at the beginning stages of doing disputes.. and one of the warnings I read somewhere was not to to use one of the "form letters". However, I modified the ones that Marie recommended and am using that.. I am disputing about 10 different mispellings of my name, 3 collection accounts as not mine, and 5 different listings of my address. Also, I've read that you should wait at least 90 days per dispute letter? is this accurate? Thanks for the help again guys..
Re: frivolous, reject from CRA I have always used a form letter for a guideline but changed the wording quite a bit, just always made sure I get my point across but in a nice way and have never had a problem with my disputes . I don't agree about waiting 90 days , I have disputed several things and if they came back verified then I would dispute them again right away, keep in mind most of my disputes were inaccurate information. It takes them so long anyway waiting 90 days between disputes would just take forever for me to clean your reports.
Re: frivolous, reject from CRA Some of the items you are disputing, I also have listed on my Credit profile. I have not found them to be an issue when applying for credit. Most of the entries regarding name misspelling, address misspellings are due to someone typing the information wrong when doing a credit check. I suppose 10 misspellings of the name could cause a problem.
Re: frivolous, reject from CRA Well, thus my letter has 22 items I am disputing because of this.. would this be too many for the CRA's to process?
Re: frivolous, reject from CRA Name and address disputes can be handled over the phone. Why not call the CRA's and talk to a rep. Worked for me, they had no problem updating my name and deleting the old addresses but Equifax gave me a real hard time even in writing about correcting my name.
