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Favorite way to dispute?


scorch
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What is your favorite dispute method?  

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I prefer the phone. I like to let people know what I think of them...

...but aren't you speaking to people who couldn't give a rats a** what you think of them? If I can't speak with a CS rep that is actually in the US, I won't talk to them. I find it a bit disconcerting knowing someone in a 3rd world country 3000 miles away has access to my personal information and has the ability to control my 'credit fate'...:twisted:

..didn't mean to get off topic there..:roll:

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I use certified mail. It has helped me "build a case" against an OC and a collection agency twice now. I then send the proof of dispute, a copy of the errant tradeline that is reporting post-dispute as verified, and an ITS to the OC. The OC or CA then removes the negative tradelines altogether. These were legitimate mistakes in my report (such as date of first reporting 6 months after Bk filing).

Only two baddies left- one from 2003 and one from 2004. Somehow I've amassed 38 positive tradelines as well. :shock:

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