Is a tradeline legally accurate if they round up or down the amounts? eg: you owe 115.67. If they report 115 or 116 is that accurate? Yes, I know it's a technicality but is it enough to use it as a basis of dispute... If so, it could work for literally everything and not be a "lie" in a request for a dispute.
I'm not an attorney, so I can't answer your question from an legal standpoint, only a common sense one based on experience. I'd be willing to bet that a small chump change amount would not stand up if push came to shove. I feel quite sure that it would rather quickly. I think it would tend to get your account marked as "frivolous disputer" or however they mark it when they think you are sending them frivolous disputes. If I am seriously disputing a listing, I always tell them exactly what I am doing and why and what I expect from them. I never deal from a standpoint of weakness or frivolity. If I am going to deal with them, I am going to be ready to drop the hammer on them if they don't comply with my wishes. And that's why I never start off by disputing with the credit bureaus. I feel that if I do that I am begging. I never do that either. It may be worth a try, I don't really know and I wouldn't try to discourage you from doing it. I'm just saying I don't think I would care to try that approach because it has no real strength behind it.
Well, I wouldn't put it in the dispute. But I do think you could dispute "incorrect balance" as a truthful dispute based on rounding. I've always found enough inaccuracies to legitimately dispute items. no need to lie. just thinking of yet another truthful way to dispute.
