peachjuteux Posted August 9, 2004 Report Share Posted August 9, 2004 i am looking at all 3 credit reports- some errors- 2 are incorrect acount numbers( way off) - since i purchased through the mail my 3 reports can i go to theyre websites and dispute for free online? or do i have to do it via snail mail, calling or other?also how long should Pulls stay on the reports? is it good or bad to have those? i cant remember... some of the pulls are at 2 years and beyond-should they go- i am trying to clean up my mess, but so far i have no idea what is good what is bad at this point. Link to comment Share on other sites More sharing options...
katwoman Posted August 9, 2004 Report Share Posted August 9, 2004 As long as you have a report number, you can dispute online, no problem.Print out your disputes so that you have a record. I like to call them first, like when I'm disputing "not mine" or if I want old addys and phone numbers off. For detailed disputes, I do the online method.As for pulls, the softs don't mean much but the hards you'll want to eliminate. First dispute any over the 2 year mark as obsolete with the CRA. EQ will delete any you don't recognize. EX and TU won't roll over and play dead. I got deletions on TU thru 2 methods; bumpage and disputing directly with the creditor as a goodwill gesture on their part. If you're within the SOL on debts, I wouldn't go the creditor route. Let those age off unless they're on EQ where you can just ask for deletions.Finally, opt out. From your post it doesn't appear that you've done this most basic of steps. Do a search on the board if you need instructions.Good Luck. Let us know how far you get with deletions. Link to comment Share on other sites More sharing options...
peachjuteux Posted August 9, 2004 Author Report Share Posted August 9, 2004 thank you so much.....opting out now.....will follow your suggestions... thanks againjust opted out for 2 years for now..... that was easy. thank you so much.im looking now for what pulls to request removed... Link to comment Share on other sites More sharing options...
blueranger Posted August 10, 2004 Report Share Posted August 10, 2004 i have had great success with online disputing.... Link to comment Share on other sites More sharing options...
peachjuteux Posted August 10, 2004 Author Report Share Posted August 10, 2004 should i dispute the collection accounts as not mine with the cra's? after i get the green cards back from teh validation letters i sent those darn Ca's. i sent? after all i didnt sign any agreement with those people. Link to comment Share on other sites More sharing options...
retmar Posted August 10, 2004 Report Share Posted August 10, 2004 Go for it! Link to comment Share on other sites More sharing options...
peachjuteux Posted August 11, 2004 Author Report Share Posted August 11, 2004 ok the validations went out yesturday- i want to go ahead now and dispute on line with all 3 CRA's. i want to claim not mine. (i think).at: EX do i choose" no knowledge of account?TU "this is not my account?EQ "not mine? im shaking here...... Link to comment Share on other sites More sharing options...
parko03 Posted August 12, 2004 Report Share Posted August 12, 2004 I also have had pretty good results with online disputes. Link to comment Share on other sites More sharing options...
peachjuteux Posted August 29, 2004 Author Report Share Posted August 29, 2004 well i did the disputes , one came back remains in less than 30 days and still no validation from this CA- however i sent DV after the initial 30 days..... what i saw is thet the OC listed it as a charged off sold account but still listing a recent balance- shouldnt that be a $0 balance since the CA is listing the same account with a recent balance? i thought only 1 can list the balance and the other must list a 0 balance- Im not sure where to go with this since ive gotten nothing in writing from either the CA or the CRA - just the account status REMAINS..... whats the next step? do i dispute the OC balance or try again with the CRA- sending a procedural request may help? i want to do that too..... sherman still listed as under investigation- and 30 days is almost up there... i bet it comes back varified too- arent they supposed to notify you in writing of the results of an investigation? ive gotten absolutely nothing but the report results were posted at EX ..... Link to comment Share on other sites More sharing options...
irishman Posted August 30, 2004 Report Share Posted August 30, 2004 When you go to dispute an inquiry, which is the easiest/effective way to do it for eache CRA?? if you could tell me some links,addresses and #'s. They all seem to be a pain in the @#!$ to dispute, for exapmle, online, they don't have an area to dispute inquiries. Link to comment Share on other sites More sharing options...
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