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OK to dispute through PG?

Discussion in 'Credit Talk' started by jane, May 17, 2004.

  1. May 17, 2004 #1
    jane

    jane Well-Known Member

    Hello,

    OK, some of you might find this a really stupid question but here goes. I just got my first CR from PG and want to know if I can and/or should dispute through PG.

    Thank you,

    Jane
     
  3. May 18, 2004 #2
    jam237

    jam237 Well-Known Member

    You still dispute through the individual Credit Reporting Agencies. However, some of them are hard-nosed about requiring that you have their credit report to dispute anything on their report. That's bull, but that's their mentality.

    Basically, you can print out the PG dispute form and use that. Or the even better approach, is to write a letter explaining the dispute in as much detail as required. Mail CMRRR to have proof of receipt. The 30 days start when the green card is stamped, but allow 30 days from the day you receive the green card back (since that is mailed back regular mail, it should take approx the same amount of time as the results report.)

    TU and EQ will usually provide you with the complete report showing the changes, EX will usually provide just the trade line(s) which was/were disputed.
     
  4. May 18, 2004 #3
    jam237

    jam237 Well-Known Member

    One last thing, TU & EQ should be able to process a dispute based off of your name/address only, EX will send a response that they can not pull up your credit file based on the information received, if you don't include more information than that.
     
  5. May 18, 2004 #4
    jambe

    jambe Well-Known Member

    I would add that once you get your file number form TransUnion it will never change. Also, once you have a valid Experian file number, you can use their online dispute to get a fresh number every couple of months.

    I don't know what Equifax does, because I have to go through CSC, but I have never had a problem calling them with a dispute. CSC has never asked for a file number.

    In fact, I can't recall ever being asked for a file or case number when making any telephone dispute. Online Experian requires it, but with TransUnion it is optional. CSC doesn't have a decent online dispute form.

    For some disputes though, I prefer to write a specific and detailed letter, so there is no confusion about the matter. I will usually include the file number or just name and address, along with details about the account I am disputing. (That should be more than enough to identify me.)

    I have never had a dispute rejected for lack of enough identification, nor have I ever been asked to provide more. I think the people who get those are probably being stalled (most likely), or there really is something fishy about the dispute.
     

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