Anymac Posted March 24, 2011 Report Share Posted March 24, 2011 (edited) Does it make a difference having sevaral disputes on a single letter to a Credit Bureau? For example 10 disputes on one letter or would it be better to break it down into maybe 3 per certified letter to the CRA... I'm inclined to think it doesn't matter as they simply key in the dispute but wanted to make sure. Edited March 25, 2011 by Anymac Link to comment Share on other sites More sharing options...
BV80 Posted March 24, 2011 Report Share Posted March 24, 2011 Why are you disputing? Is this related to a debt collection letter or TL on a credit report? Link to comment Share on other sites More sharing options...
Anymac Posted March 25, 2011 Author Report Share Posted March 25, 2011 I clarified my original post. I'm talking about disputing multiple TL's with a CRA. If I write Experian should I put all 10 TL's I'm disputing or do I need to break them up?Of course breaking them up means more certified letters but if it makes a real difference I suppose its worth it. Link to comment Share on other sites More sharing options...
Bigwoodystyl Posted March 25, 2011 Report Share Posted March 25, 2011 I prefer starting disputes by telephone. It's unlikely you're going to sue the CRA anyway and if you take the time to be thorough on the phone, you can be sure they include every item. I also think a lot less likely for someone to call your dispute "frivolous" when you have them on the phone versus writing a letter.-----------To answer your question directly, it doesn't matter how many items you list on a dispute. Personally, I wouldn't deal with more than 5 at once, but you can do 10+ if you want... Link to comment Share on other sites More sharing options...
Anymac Posted March 25, 2011 Author Report Share Posted March 25, 2011 Interesting persperctive, thanks for the feedback! Any other thoughts? Link to comment Share on other sites More sharing options...
junkey1700 Posted April 10, 2011 Report Share Posted April 10, 2011 I WOULD NOT DISPUTE MORE THAN ONE ITEM AT A TIME, UNLESS IT IS YOUR PERSONAL INFORMATION. TO DISPUTE 1O TRADELINES AT ONCE IS A WASTE! YOU WANT TO SPREAD THEM OUT SO YOU LOOK SERIOUS AND BY SPREADING THEM OUT YOU WONT HAVE TO BUY ANOTHER CREDIT REPORT. ALSO BY SPREADING THEM OUT YOU CAN KEEP BETTER TRACK OF YOUR DISPUTES AND ALWAYS HAVE A DISPUTE GOING PLANNING IS KEY. KEEP IN MIND IF YOU USE A CREDIT REPORT THATS NOT DIRECTLY FROM THE CRA THEY HAVE 45 DAYS TO RESPOND VERSE 30 DAYS Link to comment Share on other sites More sharing options...
Hal Jordan Posted April 11, 2011 Report Share Posted April 11, 2011 (edited) I WOULD NOT DISPUTE MORE THAN ONE ITEM AT A TIME, UNLESS IT IS YOUR PERSONAL INFORMATION. TO DISPUTE 1O TRADELINES AT ONCE IS A WASTE! YOU WANT TO SPREAD THEM OUT SO YOU LOOK SERIOUS AND BY SPREADING THEM OUT YOU WONT HAVE TO BUY ANOTHER CREDIT REPORT. ALSO BY SPREADING THEM OUT YOU CAN KEEP BETTER TRACK OF YOUR DISPUTES AND ALWAYS HAVE A DISPUTE GOING PLANNING IS KEY. KEEP IN MIND IF YOU USE A CREDIT REPORT THATS NOT DIRECTLY FROM THE CRA THEY HAVE 45 DAYS TO RESPOND VERSE 30 DAYSI disagree.. If you have multiple tradelines this can get unnecessarily expensive (especially if you're sending the letters certified). Just be clear and concise with your disputes. Number them etc. if you choose to do it by mail. If it's formatted well I don't believe you'll have any issues (and if by chance they do miss one or two you'll still be sending less letters than if you break them up and send them individually)Personally, I recommend doing them online. That is one way to be sure to avoid them missing disputes. I have had excellant success using online disputes and you get instant confirmation emails for each dispute letting you know they received it and that they're working on it. Also, they don't get sent back as frivolous because they prove your identity by asking you 5 questions about former/current debt and addresses. (which sometimes they do with mail even when you include photo copies they request).You can file online disputes with all 3 bureaus and all three send you conf emails stating they received your disputes. The 30 days vs 45 day rule applies to mail, phone or online disputes so unless you're buying them from myfico or directly from the bureaus it's going to be 45 days. Edited April 11, 2011 by Hal Jordan Link to comment Share on other sites More sharing options...
Bigwoodystyl Posted April 12, 2011 Report Share Posted April 12, 2011 I disagree.. If you have multiple tradelines this can get unnecessarily expensive (especially if you're sending the letters certified). Just be clear and concise with your disputes. Number them etc. if you choose to do it by mail. If it's formatted well I don't believe you'll have any issues (and if by chance they do miss one or two you'll still be sending less letters than if you break them up and send them individually)Personally, I recommend doing them online. That is one way to be sure to avoid them missing disputes. I have had excellant success using online disputes and you get instant confirmation emails for each dispute letting you know they received it and that they're working on it. Also, they don't get sent back as frivolous because they prove your identity by asking you 5 questions about former/current debt and addresses. (which sometimes they do with mail even when you include photo copies they request).You can file online disputes with all 3 bureaus and all three send you conf emails stating they received your disputes. The 30 days vs 45 day rule applies to mail, phone or online disputes so unless you're buying them from myfico or directly from the bureaus it's going to be 45 days.I wouldn't do them online. If you dispute online, they aren't required to notify the furnisher. Instead, they can merely delete the item from your reports. If the furnisher re-reports it in the course of business, then you have no recourse. Better to dispute by phone or mail... Link to comment Share on other sites More sharing options...
xi2 Posted April 12, 2011 Report Share Posted April 12, 2011 I'm posting here because I'm getting errors when creating a new thread.Compass Credit Card ...I was summoned back in Nov 2010, didn't answer on time, by Dec-1-2010, the plaintiff had file a motion for default, the judge however answer the plaintiff with this:1.- No documentation provided showing the account was sold2.- No statement showing defendant billed for any amount3.- No Documentation showing how the amount of damages was calculated4.- Duplicate of attorney fee affidavitNo judgment has been signed by the judge yet, so the case is still openI filed last week my answer to the summon (should have done it back in NOV),Denying the complain since they didn't show prof of becoming the successor to my credit card company.1.- Do I need to file a document explaining the judge why I filed the answer so late ?2.- What happens when you don't answer in time and the judgment has not yet been signed ? Can I do something ? What should I do ?Thanks Link to comment Share on other sites More sharing options...
junkey1700 Posted April 13, 2011 Report Share Posted April 13, 2011 AMYMAC! EXPERIMENT WITH DIFFERENT WAYS OF DISPUTING NEGATIVE TRADELINES. I GAVE YOU WHAT WORKED BEST FOR ME, THE COST IS NOT FACTOR TO HAVE THE CREDIT RATING YOU WANT… 1. DISPUTE W/ CRA CRRM2. REQUEST DISCRIPTION OF PRCEDURE SNAIL MAIL 3. 623 LETTER TO OC CRRMNEVER GIVE UP Link to comment Share on other sites More sharing options...
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