Simultaneous Disputing

I've done it and it's produced results. Maybe it lets them know you mean business, I dunno. It's definitely worth a try. Let us know how it turns out.

 

There was recently a thread that touched on this subject; whether or not it was a good idea to dispute with the CRAs while validating with CAs. I'd be interested to know what eveyone thinks.

It seems logical to do it for these reasons:

• Both the CRA and the CA are attempting to verify/validate the debt within the same [roughly] 30 day window.
• If the CRA "verifies" and the CA fails to validate, you may have a good case against the CRA for falsely verifying information on a consumer credit report.
• The CA is now dealing with two concurrent disputes for one account. perhaps they'd rather just delete.

 

You mean validation letters, right?

 

Oh. I misunderstood.

I don't think it would be beneficial. I do a dispute and let it ride the full 30 days.

 

I think Daveyboy is asking if he disputes say 2 or 3 accts thru snail mail, can he also dispute 2 or 3 "different" accounts online during the same 30 day period of time? I thought of this also, but I am too new at this to make an intelligent decision. Any thoughts?

 

I've had online and mailed disputes going at the same time with the same CRA - didn't seem to help or help. The easy ones I do online, but if something requires more information than doing it online allows, I mail it in. Have had success and failure both ways.


Ozzy.

 

If you dispute with the CA and they don't report it as being in dispute, you've got them!

If you dispute simultaneously with the CRA, they may slap a "in dispute" label on your file and then the CA will claim that the "in dispute" status is a result of their actions, not yours.

You might be setting yourself up for failure if you do both.

Dancer