pulpfiction Posted August 15, 2013 Report Share Posted August 15, 2013 Disputed a couple of TL's with the CRA's back in March. This was done via fax. I have fax confirmations to show that they were indeed received.TU responded (with their usual bs..but a response, nonetheless). To date, nothing but crickets from both EX and EQ.What's my next move here? Thanks. Link to comment Share on other sites More sharing options...
KimPossible Posted August 16, 2013 Report Share Posted August 16, 2013 Maybe try again using the online method. I did all my disputes online. TU responded via email with all TL removed and an updated report in one week. EQ is constant contact via email saying that they are working on the investigation. EX has updated three of the disputes and is still investigating the remaining two. EX does not contact you via email during the investigation but all you need is the credit report ID to view the status of the dispute. I made my online disputes on 7/26 so in less than one month I've see progress with all three. Link to comment Share on other sites More sharing options...
admin Posted August 16, 2013 Report Share Posted August 16, 2013 @KimPossible - I still recommend only doing disputes through the mail. You have no way of proving when the 30 days are up. Link to comment Share on other sites More sharing options...
KimPossible Posted August 16, 2013 Report Share Posted August 16, 2013 I had no interest in suing them and actually they all respond with date stamped summary/verification when you logged the disputes and included the day by which they'd respond. Interestingly enough since I had obtained my reports through annualcreditreport.com I thought it'd give a 45 day response window but they all noted they'd respond in 30 days. As I stated, TU is already complete, EX has two left and EQ is still remaining. Technically I still have 11 days before they have to respond. I guess if it's ultra critical for someone to have the CMRR then one should do that but for me the online dispute worked well and I had 30 days to wait it out. I'm not in a rush. That's just how it worked out for me personally and I'm pretty satisfied thus far. Link to comment Share on other sites More sharing options...
admin Posted August 16, 2013 Report Share Posted August 16, 2013 @KimPossible I had no interest in suing them and actually they all respond with date stamped summary/verification when you logged the disputes and included the day by which they'd respond. Tell me more about the timestamp. Link to comment Share on other sites More sharing options...
CordusAdmin Posted August 16, 2013 Report Share Posted August 16, 2013 @pulpfiction - read this as it goes step by step on what to do. The "fax" you sent, was it through the CRA website or what? http://www.creditinfocenter.com/repair/Repair.shtml Link to comment Share on other sites More sharing options...
pulpfiction Posted August 17, 2013 Author Report Share Posted August 17, 2013 @pulpfiction - read this as it goes step by step on what to do. The "fax" you sent, was it through the CRA website or what? http://www.creditinfocenter.com/repair/Repair.shtmlThe faxes were sent to the fax numbers published on each CRA's website. Link to comment Share on other sites More sharing options...
admin Posted August 19, 2013 Report Share Posted August 19, 2013 The faxes were sent to the fax numbers published on each CRA's website.@pulpfiction - I've never heard that faxing works. Link to comment Share on other sites More sharing options...
KimPossible Posted August 31, 2013 Report Share Posted August 31, 2013 Sorry I did not reply! I didn't see this response in my email. I've been working crazy hours so I haven't been on the forums. TransUnion and Equifax give you a separate report to print at the end of the process with the date of investigation and Experian does not generate a separate report but does give the beginning date as "report date". I printed a screen capture for my records. You can log in to with all three at any time to check the progress. Also with all three, while the investigation is active, each time you log in it shows the date the investigation was started and when it will be complete.TU is 21 daysEQ 30 daysEX 45 days I've attached what my investigation reports looked like when initiated with TU and EQ. EX is the screen capture. Since my investigations with TU and EQ are complete I can't show what the status windows look like but I've attached my husbands. We each only have a few things to clear up and I figured I had nothing to lose. One report came back completely clean and the other two will need a second round of disputes. Funny how all three had the same items but I got different results. I guess it's the luck of the draw. Still I'm happy with the results and it saved me tons of time, hassle and little bit of money. 1 Link to comment Share on other sites More sharing options...
admin Posted September 5, 2013 Report Share Posted September 5, 2013 @KimPossible - It's hard to say if screen captures will hold up in court. I know you said you don't intend to sue, but if you can prove that a CRA is taking too long to respond, sending them an intent to sue letter sometimes gets the items removed. Good information none the less. Link to comment Share on other sites More sharing options...
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