Worth disputing?

Discussion in 'Credit Talk' started by phxbbw6ft1, Nov 6, 2001.

  1. phxbbw6ft1

    phxbbw6ft1 Well-Known Member

    Two derogs I have are Credit Cards from 6/96.... Are they worth disputing? Will they go off my credit report in 6/02?? Thanks
  2. DaveLV

    DaveLV Well-Known Member

    Sure they're worth disputing. Some people feel that if you dispute an item really close to the time when it would come off your report anyway, the CRA might just delete it right away.
  3. cjd

    cjd Active Member

    Btw. I think they will come off in 6/03 not 6/02.
  4. Marie

    Marie Well-Known Member

    yes. especially if it's on Experian.

    I'm finding old derogs within tradelines hurt more than they should on Exp because they look more like current issues.

    Also, a cleaner file always helps. Dispute in a few weeks so it hits over the holidays. Once the dispute finishes, if they verify, ask for a procedural description. If you get sent nothing you have grounds for removal based on FCRA violations.

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