How often can you dispute?

[ShortBus]

Is there a limit, or is it just when you get tired of spending $5.21 to mail the letter?

[rmuse00]

As long as you see inacurrate information in your credit report it is your right to dispute.

That being said, it has been my experience that the CRA's will be more likely to deem, and they can, your dispute as frivolous. They will do this if they feel they have completed a thorough investigation and you continue to dispute without adding more to aid in their investigation. When disputing a tradeline with the CRA's I would wait at least 60-90 days before disputing the same tradeline again.

611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

(a) Reinvestigations of disputed information.

3) Determination that dispute is frivolous or irrelevant.

(A) In general. Notwithstanding paragraph (1), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( Notice of determination. Upon making any determination in accordance with subparagraph (A) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

© Contents of notice. A notice under subparagraph ( shall include

[sgip2000]

I just told an EQ rep that I was going to continue to dispute until they get it right. Wonder how long until I get the frivolous letter.

[Amerikaner83]

LOL give it a dispute or two .

[blum1176]

if they deem a report friv. can you change the reason for dispute ie havent received any confirmation from the OC or CA?