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Dispute Reasons


RayvonTCO
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Just my two cents...sorry I don't have a great answer for you. I am just a newbie and getting the hang of it all myself.

I do suggest getting the book "Good Credit is Sexy" it's a great book with tons of information and lots of helpful direction. I've posted several questions and everyone on here has been super helpful, but sometimes it take a little while to get an answer.

I know using the search feature can sometimes be overwhelming..especially when you get 20 pages of results...but reading all those posts related to your search can help too.

I read the book, spent a couple weeks reading through old & new posts everyday and then started my journey.

All I have sent out so far is my dispute's to the CRA for myself and DH. All those were disputed as "No knowledge of this account".

Mere

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FAKOs

5/13/07: TU - 516, EXP - 520, EQ – 576

5/17/07: TU – 514, EXP – 518, EQ – 582

FICO

EQ – 599

Hubbys

FAKOs

5/18/07: TU – 576, EXP – 532, EQ – 537

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Anyone have effective dispute reasons for different situations?

For example, the best or effective dispute reason for a paid charge off may be "not mine"

Is there a sticky or page out there with a list of them?:-(

It would not be a good idea for anyone to advise you on how to dispute TL's, but in general for me if I have any question about an account I start with "not mine". If they come back verified, then I ask the CA or OC for the documentation that they used to verify the account. If they send anything, then I scrutinze all the records and make sure that everything jives, if not, then you dispute with whatever...

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I would start with something like "no knowledge of account" and the next one, if verified, would be more specific. I would dispute the DOLA, DOFD, or the status. Pin the CA down to violating by specifically pointing to a known error or inaccuracy. Good luck.

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