SunshineChi77 Posted December 26, 2008 Report Share Posted December 26, 2008 Hello! I'm new to this board and I can't tell you how much I have already learned from all of you helpful people. I just got my CR's and about to start my journey towards getting my credit score up and have about 15 disputes on each of the three(almost all credit cards and medical bills. My question is: when I write a letter to each one of the 3 CRA's, should I write each DV in a seperate letter for each dispute or all in one? Link to comment Share on other sites More sharing options...
willingtocope Posted December 27, 2008 Report Share Posted December 27, 2008 The rule of thumb is...if its something you may wind up in court over, send it in a separate letter. No sense in giving the opposing attorney more info than they already have. Also, remember that the data entry person who translates your letter into computer codes has about 10 seconds per letter to work with. The more items you put in one letter, the greater the chances that it will be confused in translation. So, use your own best judgement as to what should be in each letter. Link to comment Share on other sites More sharing options...
SunshineChi77 Posted December 27, 2008 Author Report Share Posted December 27, 2008 Most of the things I am disputing will not go to court(small medical bills and a few CC's) but there is about 16 TL's I will be disputing on each...so I guess I didn't know if it is wise to break them up into smaller letters or just put all 16 on one. Thanks so much! Link to comment Share on other sites More sharing options...
CreditFixCD Posted December 27, 2008 Report Share Posted December 27, 2008 The rule of thumb is...if its something you may wind up in court over, send it in a separate letter. No sense in giving the opposing attorney more info than they already have. Also, remember that the data entry person who translates your letter into computer codes has about 10 seconds per letter to work with. The more items you put in one letter, the greater the chances that it will be confused in translation. So, use your own best judgement as to what should be in each letter.Great info willingtocopeEspecially "use your own best judgement as to what should be in each letter" Link to comment Share on other sites More sharing options...
marissart Posted December 27, 2008 Report Share Posted December 27, 2008 I asked this same question recently. What I was told was to send a few in one letter. I had everything ready to send in individual letters but it would have cost a fortune for certified mail. Someone did say not to try and dispute every negative in the first round. Good Luck on your journey. I have just started as well. We'll see what happens and keep us posted on your progress. Link to comment Share on other sites More sharing options...
mikedb Posted December 28, 2008 Report Share Posted December 28, 2008 From what I've read, I don't think the CRAs impose any kind of limit on how many TLs you can dispute in a single letter, so I think it's really up to you to just make sure your dispute appears to be authentic. Disputing all of your negative items at once may seem suspicious.I sent out my first round of dispute letters this morning which included a total of nine TLs in each. This is only half of the actual negative TLs that appear on my credit report, but I chose to break them up for the sake of authenticity. Link to comment Share on other sites More sharing options...
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