Time Between CRA Dispute Letters

Not many if any wait 90 days between disputes. You can send several disputes at one time. I have sent more than one group of disputes to a CRA in the same month. The only exception is TU. If you send multiple disputes they "think" it gives them 15 more days to complete a previous dispute. Wait that one out the full 30 days before sending more.

 

I don't wait a day. As soon as a get my results back, I send out a new dispute, often on the very same day. It has worked great for me. In six months I have removed or had amended 20 of 23 derogatory accounts via dispute letters. Of the three remaining, one was removed through negotiated settlement, one was removed by strong arm tactics and a threatened lawsuit, and one still remains. In your downtime, you should read, read and read, especially now since the search function will hopefully be working again soon.

1) Despite what you may read, a "frivolous", "previously investigated" or "already verified" response from a CRA means absolutely nothing. Its only purpose is to discourage you. Most consumers quit after receiving one of these letters and the CRA's know this. Don't ever quit.

2) There is no law that forbids you from disputing an item every month if you want to. The process should always be in a state of perpetual motion until all derogs are removed from your credit report.

3) Credit repair is a three-step process: dispute, investigation and deletion. If you do not dispute, you will never start the process.

4) The CRA's and OC's are sloppy. Often you will get blanket deletions for no apparent reason. Again, this will not happen unless you can get them to initiate an investigation.

5) Your repeated disputes are a huge potential liability. Imagine what a judge would say if he sees that a CRA still refused to initiate an investigation after receiving half a dozen letters? This is willful "non-compliance" of Federal Law. The CRA's know this and they keep a running tab of your disputes. It may take six letters, but eventually they will re-investigate.

6) Repeated disputes produce violations. Again, the CRA's are sloppy. Chances are that eventually they will slip up during the course of an investigation. You must dispute in order to catch them making a violation.

7) I know that it may seem like they are out to get you, but you must always remember that your dispute costs the CRA's and OC's a lot of money and is a huge hassle for them. They make no money from it and it is not where they dedicate their business resources. Turn this weakness to your advantage. They may fight a little, but once you have them by the short hairs, they will rollover fairly easily. After all, they have little to gain and much to lose once faced with a lawsuit.

8) Save and document everything.

I hope this is helpful. Some may disagree.

 

Re: Re: Time Between CRA Dispute Letters

LD and Jlynn,

Sending more than one dispute letter to TU in the same month is an excellent way to catch them on an FCRA violation. In fact, Butch recently posted that he was confident in his ability to remove any negative tradeline at TU per this method. Send the first dispute letter, then 15 days after you receive the green card send them another letter disputing other tradelines. If TU then extends the first dispute beyond the 30-day time limit, you have them on an FCRA violation and they must delete everything that they failed to verify within 30 days.

This is now part of my basic dispute strategy with TU and something you might also want to consider trying.

greenvan

 

Re: Re: Time Between CRA Dispute Letters

As soon as I get my results I dispute again right away.

My thinking is the OC or CA might think it's a duplicate request from the CRA and ignore it. Not sure if this works, but it makes sense.

I have gotten better results doing 1 or 2 at a time.