lovelydria Posted January 21, 2008 Report Share Posted January 21, 2008 When you dispute online with equifax do you use the old confirmation number to dispute online or start a new dispute like you dont have a confirmation number? Link to comment Share on other sites More sharing options...
Elrey26 Posted January 21, 2008 Report Share Posted January 21, 2008 The general agreement on this website seems to be do not dispute online. However, I have had success disputing inquiries online with Equifax. You just do it like you have no confirmation number, enter your zip and personal info, and then type in Inquiry 05/05/2005 (or whatever the date is) and the company name. You can do up to six. Search on the forums and you'll find the specific link. They delete them pretty fast. I had a new report in less than two weeks with those inquiries removed. Good luck... Link to comment Share on other sites More sharing options...
Elrey26 Posted January 21, 2008 Report Share Posted January 21, 2008 Also... you will dispute them as "not mine"... Link to comment Share on other sites More sharing options...
lovelydria Posted January 21, 2008 Author Report Share Posted January 21, 2008 I am talking about like actual accounts? Link to comment Share on other sites More sharing options...
insomniac Posted January 21, 2008 Report Share Posted January 21, 2008 I am talking about like actual accounts?I have used an actual confirmation number when disputing accounts. Link to comment Share on other sites More sharing options...
lovelydria Posted January 21, 2008 Author Report Share Posted January 21, 2008 how was your luck? Link to comment Share on other sites More sharing options...
lovelydria Posted January 21, 2008 Author Report Share Posted January 21, 2008 quick TU question...not to get off Equifax. when you dispute online with TU they have two options...which one would be consider as not mine..here are the options1. This is not my account, it belongs to a relative or person with similar name/address.2. I have no knowledge of this collection accountwhich one is best if you are disputing as not mine...?Thanks to all that can help Link to comment Share on other sites More sharing options...
insomniac Posted January 21, 2008 Report Share Posted January 21, 2008 how was your luck?Equifax has been a tough nut to crack for actual accounts, in my experience. They verified both of my collections (LVNV and Asset) but LVNV mysteriously deleted not long afterward. I disputed some old late payments with all three agencies; TU and EX deleted, but EQ didn't. Removing inquiries was simple and painless using the method described above, but I didn't have very many to start with. Link to comment Share on other sites More sharing options...
insomniac Posted January 21, 2008 Report Share Posted January 21, 2008 quick TU question...not to get off Equifax. when you dispute online with TU they have two options...which one would be consider as not mine..I always use "No knowledge of this account." TU deleted Asset for me when I used that (I think the deletion was due to Asset not responding, as it took the full 30 days for the results to come back). Link to comment Share on other sites More sharing options...
Elrey26 Posted January 21, 2008 Report Share Posted January 21, 2008 Lovely... from what I understand you shouldn't dispute actual TL's online. You should only dispute personal information like addresses, names etc, and you can dispute inquiries. However, you should go with mail, CMRRR for TL disputes. Some people here have had luck with the online disputes, but I've read of many people here running into problems with online disputes. Believe me, you need to have a lot of documentation as you go through this process. You typically don't have much to take to court disputing online if it goes that far... Good luck... Also, you would go with number 2... no knowledge of this account. Link to comment Share on other sites More sharing options...
Elrey26 Posted January 21, 2008 Report Share Posted January 21, 2008 Check out this sticky about disputing online before you go this route...http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=263996 Link to comment Share on other sites More sharing options...
2001Badyear Posted January 21, 2008 Report Share Posted January 21, 2008 Lovely... from what I understand you shouldn't dispute actual TL's online. You should only dispute personal information like addresses, names etc, and you can dispute inquiries. However, you should go with mail, CMRRR for TL disputes. Some people here have had luck with the online disputes, but I've read of many people here running into problems with online disputes. Believe me, you need to have a lot of documentation as you go through this process. You typically don't have much to take to court disputing online if it goes that far... Good luck... Also, you would go with number 2... no knowledge of this account.Online for names, addresses, phone numbers etc.. Everything else (unless you're me cause I don't much care as they drop in a few months) via CMRRR or at least certified. You really want the paper trail. I had a TL drop on 2 of 3 with online as it was so old I figured they wouldn't bother. The third has not responded yet. We'll see. Link to comment Share on other sites More sharing options...
JMVandals Posted January 21, 2008 Report Share Posted January 21, 2008 Yeah me too. Mine were all so old I figured they wouldn't respond. ALL of my deletes thus far have been thru online disputes. Link to comment Share on other sites More sharing options...
insomniac Posted January 21, 2008 Report Share Posted January 21, 2008 Yeah me too. Mine were all so old I figured they wouldn't respond. ALL of my deletes thus far have been thru online disputes.Mine too. There are varying schools of thought on the online vs. paper issue. I don't see anything wrong with doing the first round online, then disputing the stubborn ones again on paper later. (Of course, you have to wait months to avoid having your second dispute deemed frivolous...) Link to comment Share on other sites More sharing options...
flak88mm Posted January 21, 2008 Report Share Posted January 21, 2008 How many points average does your credit score go up per one negative (collection agencies, defaults, etc..) deleted? Link to comment Share on other sites More sharing options...
2001Badyear Posted January 22, 2008 Report Share Posted January 22, 2008 How many points average does your credit score go up per one negative (collection agencies, defaults, etc..) deleted?You're kidding right? Link to comment Share on other sites More sharing options...
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