The learning center on here said: " don't submit more than one dispute every 90 days" Yet the FAQ thread talks about doing "no more than 4 per round" So if i have 27 things to work on, am i sending 4 separate letters? and wait for those to come back verified/deleted? then wait 90 days from when i sent them out to send another round of letters? I thought the CRA had 30days to respond. waiting 90 days seems like a waste and if i keep that rate it would take 1yr and 6 months just to get through first rounds with each tradeline and that doesn't even count on the fact that it seems people need to go back and forth a few times!!! what should i do here? should i only do 4 disputes and make them the ones I'm going to DV the CA on? Also when sending this dispute would you send 4 separate letters or put everything in one letter? I've seen both on here and i wonder if there's is a higher success rate with one way or another? Thanks
Kameleon, This is more of a guideline/suggestion than an absolute rule. We actually have another thread on the forum that speaks to this very topic: look up "time between CRA dispute letters" in the search bar for some good answers. But to answer your question, you can send dispute letters early and often once they send the initial results of your dispute.
Especially since in a few weeks we will be entering CHOD, it depends on your personal preference. Some people can focus on 25-30 accounts at a time, and organize a follow-up campaign on that massive of a scale. Others will want to focus on them a few at a time. If I suspect I will need to file an FCRA suit based on accounts, I may put those accounts on separate letters, because those letters will become a part of my FCRA suit when it is filed against the DF and CRA. It comes down to personal preferences.
Both great points. I can see where it would be nice to have just that one account being talked about in a legal situation rather than being looked at as a guy with some obvious credit "issues"... never thought about that!.... 25-30 accounts !!! whoa... i have like 17 but i don't think i could take them all on at once! I have no idea what CHOD means.. (i'm googling that next)... I think i'm just overly concerned because: a) theses debts are old and i've been moving around so much i don't know how serious these CA are about bring me to court over these debts b) I worry about raising a big issue over a debt that's SOL is up in 2013-14 & about to fall off my credit report! So if i go at this i want it to be as swift as possible. Examples: A) I have 2 C.A.'s reporting a $1700 debt that ballooned to $3200, But the SOL is upping in 1/1/2014. I know one is wrong and could get deleted but i risk letting the right one know where i am and the law suits will come. B) Same thing on another it's reporting a old student loan debt of $1,800 which should only be $200, but if they fix the inaccurate info i'll owe the $185 (no biggie) but at that low $ amount and the fact that this CA is known for NOT doing PFD i'm thinking i'll have to pay the $185 and be stuck with that record on my CR for another 7 years (per some posts i read ) Anyways thats my thinking... I'll post one big ole list of my credit issues later today and stick to one thread asking for advice/help.. P.s. i just got back an email for a dispute i did online with EQ (i wanted to do something and felt this was small enough to not screw up), disputed old address , faxed them info and they just deleted all my old addresses in 2 days!,,,, As a general question do online disputes work faster or is it more important to do CMRRR?
CHOD, CreditNet Holiday Onslaught of Disputes. Basically, it takes advantage of the fact that within less than a month there are two major business closed holidays which reduces the number of work-days that companies have to verify the CRA disputes. How well it works varies, but any small advantage in our corner is a step in the right direction.
I take the compromise path. I fax the disputes with an electronic fax number. Instant receipt with a third-party confirmation. Also it would only be reported for the same amount of time, reporting life is based on the DoFD not DoLA. The only exception would be if the account would be a type that can be reopened, and it is reopened again.
