Do I write a Dispute Letter to the CR or just click on the dispute button?

[nevragainwillIusecc]

I'm confused. I'm contacting the Credit reporting agencies, and I'm not sure as to whether or not I have to write them something explaining why I'm requesting debt validation. Or do I just click on the dispute button and that is all. They gave me some space to do writing, but I didn't! Now-I'm thinking-how stupid of me!

[razr]

Debt Validation (DV) if for collection agencies, not the CRAs.

If you want to dispute a trade line with the CRA, you can do it on-line. However, written and CMRRR is the preferred method. You can also just call the CRAs.

I encourage to you read and re-read the primers and stickies, the devil is in the details.

-r

[nevragainwillIusecc]

Debt Validation (DV) if for collection agencies, not the CRAs.

If you want to dispute a trade line with the CRA, you can do it on-line. However, written and CMRRR is the preferred method. You can also just call the CRAs.

I encourage to you read and re-read the primers and stickies, the devil is in the details.

-r

I'm not going to DV the CRA's, but when I went online to equifax-it askd which debt are you disputing and I chose the one that says not mine for a debt and clicked on dispute that item. I was wondering if I should have written something about it, because there was space for writing comments? Thank you for your help!!!

[razr]

It dosen't matter if you write anything or not, they will ignore it.

-r

[nevragainwillIusecc]

It dosen't matter if you write anything or not, they will ignore it.

-r

So Credit Bureaus are not on the consumer's side, huh?

[Amerikaner83]

So Credit Bureaus are not on the consumer's side, huh?

Us consumers don't pay them. So no they're not