urbankitty Posted July 18, 2003 Report Share Posted July 18, 2003 Hi,I am very suspicious of the new online DV functionality that the big 3 have on their websites. My instincts tell me to do everything in writing via certified mail. It just seems to me that it's better to have a paper trail.Does anyone have any experience with online DV?Thanks again. Link to comment Share on other sites More sharing options...
morrow Posted July 19, 2003 Report Share Posted July 19, 2003 Im assuming you mean online disputing as opposed to online Debt Validation and to answer your question, everyone is different. When I first started, I did everything CMRR. Then I tried disputing online and for some reason, I like it better. Yes it is better to have a paper trail, but I just print out my confirmation page when I do it online, and I have NEVER had a problem.Others may have different opinions. Ive seen the same results with both, so I guess its just whatever you feel like doing. Hope that helps! Link to comment Share on other sites More sharing options...
urbankitty Posted July 21, 2003 Author Report Share Posted July 21, 2003 I guess I am confused. Isn't disputing the same as DV? If the CRA investigates my dispute and comes back with a response that the information is valid, can I still write a letter requesting DV?Sorry to be a bit of a goofball about this. Link to comment Share on other sites More sharing options...
Swede Posted July 21, 2003 Report Share Posted July 21, 2003 I guess I am confused. Isn't disputing the same as DV? No, disputing is when you ask the CRA to investigate and they take 30 days to do this. DV is debt validation and is done directly with collection agencies. Read the link up top on debt validation.If the CRA investigates my dispute and comes back with a response that the information is valid, can I still write a letter requesting DV?Yes you can, in fact you should do so, send it CMRRR, track it and dispute again with the CRA's when you know the CA has signed for it.As far as your question about disputing via mail or online. Yes is a personal preference and many people say online is good enough because it's faster and cheaper. Well faster isn't necessarily a good thing. When you do it online, you enter it directly into their system. When you send it in the mail, the 30 days start when they sign for it. This isn't necessarily the same time they enter it into the system and often it sits on someone's desk a little while before this is done eating away at the 30 days. Also, paper trail is the most important thing in credit repair. Sure online is fine as long as the investigation takes place and finished within 30 days, but what happens when it doesn't? CMRRR isn't used for when things go right but when things go wrong. You have proof of when they got it, what they got and what you want done. Lastly, if things do go wrong and you do have to take them to court- a lawyer is much more likely to take your case when it's well documented. Link to comment Share on other sites More sharing options...
urbankitty Posted July 21, 2003 Author Report Share Posted July 21, 2003 Swede,Thanks so much!That's what I was looking for - that window for adding more time to the process.I want to make it as difficult as possible for them, since they profit on making our lives difficult! Link to comment Share on other sites More sharing options...
Swede Posted July 21, 2003 Report Share Posted July 21, 2003 I want to make it as difficult as possible for them, since they profit on making our lives difficult! Amen to that Link to comment Share on other sites More sharing options...
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