I know that validation has helped many people increase their credit ratings. Is it really best to start with disputing as "not mine"? Or is it best to dispute for a variety of reasons? I'm afraid that if I hand over 10 "not mines" to the CRA, then they're going to get suspicious and check extra hard. No? I've disputed through Experian and got 3 out of 7 deleted (yeah!), but Transunion came back with only 2 of the 7 deleted. Now I'm working on Equifax and just trying to figure out if I should claim "not mine" or try another approach. Opinions?
There are some who will say that if you dispute too many at a time on each report, they will begin to question. There are others who've had great luck with it. I have followed the standard of 3-5 and had fairly good luck with it.
