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What is CHOD?


dmcook1
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Credit Holiday Onslaught of Disputes

You can get more info in the CHOD forum

Basically just trying to submit your disputes during the holiday seasons to minimize the amount of time they have to verify.

You want it so your dispute has to be done during the time that the cras would be closed. So if they are closed for a four day period, like thursday - sunday for thanksgiving, you want to have your day 30 be done during their off time.
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Credit Holiday Onslaught of Disputes

Close but not quite, it's actually Creditnet Holiday Onslaught of Disputes because the idea was developed over at Creditnet (another discussion board) and the concept is to innundate the CRA's at a time where they have less days to verify, less employees to do the disputes at a time when creditors are focused on extending new credit to new customers, holiday sales during a time where employees take time off. The thought is to send one dispute per letter, giving the CRA's a LOT of mail to go through and hoping your letter will sit on someone's desk for a day or so eating away more time.

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