blueranger Posted October 7, 2004 Report Share Posted October 7, 2004 when are we going to submit disputes for chod...any ideas on the best time to submit... Link to comment Share on other sites More sharing options...
Josh Mcgrath Posted October 7, 2004 Report Share Posted October 7, 2004 I read November or December. (around the Thanksgiving or Christmas) Link to comment Share on other sites More sharing options...
tinah159 Posted October 7, 2004 Report Share Posted October 7, 2004 What is chod? Link to comment Share on other sites More sharing options...
breathing_easier Posted October 7, 2004 Report Share Posted October 7, 2004 What is chod?CHOD = CreditNet Holiday Onslaught of Disputes.CreditNet is another credit board. Do a Search for "CHOD" using the Search function on this board and you can read all about it. Link to comment Share on other sites More sharing options...
blueranger Posted October 7, 2004 Author Report Share Posted October 7, 2004 I am looking for the best mail date...any ideas Link to comment Share on other sites More sharing options...
Xanathos Posted October 7, 2004 Report Share Posted October 7, 2004 Send it 2 day 3 days before Thanksgiving. It'll be 5 days before anyone even picks the thing up to open it...then you've got the weekends leading up to Christmas, and Christmas itself. Link to comment Share on other sites More sharing options...
Josh Mcgrath Posted October 7, 2004 Report Share Posted October 7, 2004 Send it 2 day 3 days before Thanksgiving. It'll be 5 days before anyone even picks the thing up to open it...then you've got the weekends leading up to Christmas, and Christmas itself. So, we're setting up a CHOD for 2-3 days before Thanksgiving? I wanna make sure so I don't waste my dispute..lol btw...what happens if you dispute something the same way you did previously at the chod? Will they not abide by it because it has already been "reinvestigated"? Link to comment Share on other sites More sharing options...
retmar Posted October 7, 2004 Report Share Posted October 7, 2004 It can go either way. I did two the same during CHOD and they both were deleted though verified the first time. I believe some others have had the same results where one might and one might not. I don't remember which CRA did what. You would have to go back to last year and check.Forgot to mention that if you do dispute in a different way, be sure and include that you want the TL deleted if not verified. Otherwise, they will change to read the way you disputed. Such as, if you claim the balance is wrong, they would change it to "Zero", and report as a "Paid". Link to comment Share on other sites More sharing options...
Josh Mcgrath Posted October 8, 2004 Report Share Posted October 8, 2004 It can go either way. I did two the same during CHOD and they both were deleted though verified the first time. I believe some others have had the same results where one might and one might not. I don't remember which CRA did what. You would have to go back to last year and check.Forgot to mention that if you do dispute in a different way, be sure and include that you want the TL deleted if not verified. Otherwise, they will change to read the way you disputed. Such as, if you claim the balance is wrong, they would change it to "Zero", and report as a "Paid". So, if you want something totally removed..."not mine" ? Link to comment Share on other sites More sharing options...
retmar Posted October 8, 2004 Report Share Posted October 8, 2004 That is true, Josh, but, remember the CRA "Easy Out". If they can, they will consider a second "Not Mine" as frivolous and not investigate. This is why you request total deletion even when disputing the amount. I will add that some, including myself, have disputed as "Not Mine" a second time as soon as receiving the results of the first and suceeded the second time. Another thing to remember is the CRA only notes an assigned code number nearest to the reason claimed by you for the dispute. Therefore, even if you just change your wording, you can still say the same thing. Link to comment Share on other sites More sharing options...
Josh Mcgrath Posted October 9, 2004 Report Share Posted October 9, 2004 That is true, Josh, but, remember the CRA "Easy Out". If they can, they will consider a second "Not Mine" as frivolous and not investigate. This is why you request total deletion even when disputing the amount. I will add that some, including myself, have disputed as "Not Mine" a second time as soon as receiving the results of the first and suceeded the second time. Another thing to remember is the CRA only notes an assigned code number nearest to the reason claimed by you for the dispute. Therefore, even if you just change your wording, you can still say the same thing. Thanks Retmar... I will be personally sending out around 15-25 letters. Maybe more. CMRRR of course. Especially since I will be reinbursed for it. (friend's credit) One dispute per letter is best for CHOD correct? Link to comment Share on other sites More sharing options...
retmar Posted October 9, 2004 Report Share Posted October 9, 2004 Myself, I do not agree with that. Each letter I sent for each dispute contained every little thing I was disputing, including incorrect name, address, or whatever. I know others say different and have had good results. This is just my own opinion as I do believe a person should do what they feel most comfortable with or what works best for them.Another thing to remember is the 30 days starts "upon receipt" of dispute. If you send a large amount of individual disputes, there is no guarantee they will be completed during the CHOD timeframe. To me, the more I can "upset the cart", trust me, I'm going to. For example, it was mentioned in the past that those CRA reps who perform the investigations must complete a certain amount within a certain timeframe. You have a long list for them to work with and they find they must hurry. Therefore, they may enter the wrong code. Think about it. This is why you retain a copy of your letter. That way, if something was not addressed, you have fair recourse to resubmit your dispute and gain deletion. I will add that I never sent one dispute letter to a CRA by CMRR. Each was sent by regular mail and I received the update on each one of them within 35 days. Over the course of my disputes, there were only 4 items I had to resubmit on. One of them was due to a creditor reporting 2 different versions of my DW's name. I would get it deleted, and it would show back up the next month. I called the CRA and the rep told me who it was. I called them, they corrected, and not a problem since. Today, the only negative on either of our CR's is the Providian on my DW. There is a "Consumer Statement" at each CRA to explain away the TL. Of course, since they got spanked recently, and the account is near 5 yrs old, it does not hinder us at all. I am going to attack it this CHOD and see what happens. You never know, we may get lucky. Our scores are over 700 now. As soon as I get our CC's down about 15% more, we should exceed 730 with no problem. I had hoped to have this done earlier, but, when we bought the house, it slowed things down. Also, the County Assesser is about 10 months behind so my Property Tax Exemption is still in limbo. I had been told in the beginning it would only be about 30 days and I planned on the money that is tied up being released as I was going to Zero the CC's so as to apply for the ones with a lesser interest rate. Originally, it was said we would pay no Property Taxes, but, that was incorrect. We will pay some, but, it is only a little more than a third of the actual. Not a problem, we will gladly accept that. Link to comment Share on other sites More sharing options...
chesire17201 Posted October 11, 2004 Report Share Posted October 11, 2004 I agree with retmar, my understanding was that the 30 days started "upon receipt", so if you wait till 2-3 days before thanksgiving then your mail could very well sit in the post office somewhere over the holiday, my logic would be to send 6-7 days before, that way you are assured that the CRA gets the dispute just as the holiday is hitting, from past experience it seems to take about 4-5 days from the day i sent till it was delivered and signed for , so the date i am mailing all mine is NOVEMBER 17, in the evening, that way it should start its journey on the 18, and arrive at the CRA's approximately 1-2 days before Thanksgiving.........feel free to let me know if i am wrong here..but just seems a little safer to me, to make sure the dispute is received and the investigation starts right before thanksgiving....... Link to comment Share on other sites More sharing options...
retmar Posted October 11, 2004 Report Share Posted October 11, 2004 Chesire, I won't say your thought is wrong, but, CHOD is not only between Turkey Day and Christmas. It runs through New Years. My thinking is if you send it where they "open it" too early, such as the day before, the end result may not be what you want. Myself, I am mailing mine the day before which means they should "open it" the following Monday. Then it will fall right in the middle. Remember, most employees who take their vacations during the Holidays will start on their Friday before Christmas and return as required before or after New Years. Periodically, when an employee's Friday does not fall correctly with Christmas, they are able to change the dates so as to have at least 4 days before off.In short, your intent is to assure they open your dispute during the period they have the least amount of employees. To add, in the industry I worked in for over 20 years, not one time did we schedule vacations properly so as to assure we had proper coverage and allow the most people to be off. This is due to those who just want an extra day off, OR, you allowed so many to have a particular day, but, got busier than expected due to someone calling in sick, and, of course, every consumer decided to do the same thing on the same day. Try to figure how the consumer is going to act from day to day. It is near impossible. Link to comment Share on other sites More sharing options...
chesire17201 Posted October 12, 2004 Report Share Posted October 12, 2004 retmar....so you are saying the disputes should be mailed before turkey day or x-mas...? Link to comment Share on other sites More sharing options...
blueranger Posted October 14, 2004 Author Report Share Posted October 14, 2004 chod is coming lets keep talking thisthing out.. I want to have the best chod ever. Link to comment Share on other sites More sharing options...
Josh Mcgrath Posted October 14, 2004 Report Share Posted October 14, 2004 Yea, good idea. I am going to be sending for 3+ people in my family. So, to clarify, if I dispute an entry on my credit that has a bunch of late pays and "charge off" noted, I dispute as 'never late' and 'not charged off'. And in the dispute letter, not something like this or similar.. "If the entry cannot be verified, under the FCRA, the entry shall be changed to "paid as agreed" and all late pays reported as paid."? Is that correct? Sorry to be stubborn, I just don't want to screw up on my first CHOD. Also, which is better, to send a letter CMRRR or not? Also just one letter or multiple? (not one letter per dispute though. Thats expensive!) thanks for the input so far. Link to comment Share on other sites More sharing options...
sunshine Posted October 14, 2004 Report Share Posted October 14, 2004 When sending your disputes during CHOD, when you mail your certified letter do you indivuidually dispute all your negative information individually or can it all be put in one standard letter form? Link to comment Share on other sites More sharing options...
Guest jeeptravel Posted October 14, 2004 Report Share Posted October 14, 2004 Does the letter(s) have to be registered mail, or delivery confirmation. At my post office, deliv conf is 40 cents a letter. I am not sure how much reistered mail is.-JT Link to comment Share on other sites More sharing options...
breathing_easier Posted October 14, 2004 Report Share Posted October 14, 2004 Does the letter(s) have to be registered mail, or delivery confirmation. At my post office, deliv conf is 40 cents a letter. I am not sure how much reistered mail is.I know people send in their disputes via snail mail in all different ways. However, I think the most recommended method is CMRRR (Certified Mail Return Receipt Requested). That will set you back $4.65, but it provides you with a signature and a receipt for your files. Great for the papertrail you want to create. Link to comment Share on other sites More sharing options...
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