i am applying for a loan and the loan officer told me that my middle score is not high enough for a certain product. I was wondering if i could just dispute items that are hurting the one score without effecting the others. And if i challenge negative accounts that are not reporting by the other 2 bureaus am i forcing a investigation where it would start reporting again by the other two?
It can be done since You have to dispute with the CRAs seperately any how.. The CRAs do not share info with each other.. Request Validation with the CRA that you are trying to raise the score on.Send CMRR or go online if you want to try a quicker route...Paper trail is better but online has worked good for me..I did mine one CRA at a time and got different results.. For instance. Two came back saying an account was verified while the 3rd deleted it..A week later one of the 2 that did not delete removed it also.. That company went back in a month later and reinserted it in both that had removed.. On other accounts they were removed one CRA at a time and they never effected the others.. You will have to send a validation letter to the OCs or CAs that you are trying to correct. Make sure you send them CMRR also..And keep everything.Copys of the letters and Green cards.
