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please clarify- what you say in dispute


vader
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I'm trying to clarify something.

I read a lot of posts were people say " I disputed it" or in answering a post the person will say, "just send in a dispute to the CRAs"

So, when you send in a dispute are you saying " this acct is not mine"

and then see if they can verify it?

Or do you actually be more specific like, " the acct shows a balance, however this acct has been paid in full, see attached docs.."

and if you use this approach, do they usually delete the acct or just change the info you mention.

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With all disputes, the first you should use is "not mine" - doesn't have to be fancy or anything.

Then if it's verified, you can dispute again at a later time with whatever you want....wrong DOLA, wrong balance, account is closed, wasn't late...etc.

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