Dispute... online or by mail?

[OpalCat]

I am trying to get 5 old things removed from my credit report. They're all old accounts either settled or paid off, ranging from about 20 months old to 6 1/2 years old. I wanna dispute them in hopes they won't verify and will have to delete them.

Am I more likely to have success if I dispute via mail or online? And if by mail, is handwritten better than typed? Should I dispute all 5 at once or stagger them out a week at a time or something?

[Xanathos]

Mail is typically the best way to go if you have aspirations of lawsuits dancing in your head.

If not, then online is fine.

Dispute all at once. Doesn't matter if you type it or hand write it...no matter what you say, each debt dispute is going to be reduced to a 3 digit code, and nobody but some entry level stiff is ever going to see the letter itself.

[miracle]

Sometimes I only dispute half at a time. Wait for those disputes to be over and then dispute the other half, then I always have something to work on. When I did them all at once I would wait for 30 days after the dispute period was over before I sent more and I would get bored

[CreditDiva]

. When I did them all at once I would wait for 30 days after the dispute period was over before I sent more and I would get bored

LOL! Well, in that case maybe I can send you mine to work on....

[Revco]

I think it depends on the CRA. I disputed online with all 3 at first...Ex & Efx came back "verified" on everything disputed. TU on the other hand, removed the two disputed items. Since then, Ex has nixed one more item previously "verified" by repeated mail requests. I think it may take a combination of both - but I've found my preference to be mail so I can document everything.

[CAMassage]

I have done all my disputes online except for addys/inquiries/names(which I did on the phone). I have had great success so far.