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Direct Dispute


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It is my understanding that as of July 2010 there is no more need to take the 623 dispute method and that under FCRA 623(a)(8)(D) we can now create a Direct Dispute with the OC. Under the new laws the OC has 30 days to reply. I have already begun my first Direct Dispute and sent a letter CMRR. My question is has anyone tried this? What was the outcome? What if the OC does NOT reply?

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