roseMD Posted December 30, 2013 Report Share Posted December 30, 2013 I read that if you had disputed an item on your credit report, that you cannot dispute it again. Is this true? I had a situation where I had to default on a loan about 8 years ago, but it still appears on my credit. The problem is that in 2009, when I pulled up my credit, I had entered a comment on this derogatory account as, "delinquency due to divorce proceedings." I guess I incriminated myself, but that's besides the point. The CRA came back with a small comment underneath mine that reads, "Item disputed by consumer. Meets requirements of the fair credit reporting act." For the record, I did not dispute it but only added a comment! Why my comment shows up as a "dispute" is beyond me. The problem is that now, almost 2014, the whole thing should be deleted from my credit report. Is it possible for me to dispute it for a second time on different grounds - mainly on SOL? Other info: I used the online template straight from the credit reporting agency. Link to comment Share on other sites More sharing options...
admin Posted December 30, 2013 Report Share Posted December 30, 2013 No, it's not true. You can always redispute. You just need to give a different reason for your re-dispute. Here is a good article to read: http://www.creditinfocenter.com/repair/Repair.shtml Link to comment Share on other sites More sharing options...
CordusAdmin Posted December 30, 2013 Report Share Posted December 30, 2013 @roseMD - and to add on to what @admin posted, make sure to send the CRA's a letter and don't do it on line. Here are some sample letters - http://www.creditinfocenter.com/forms/ - and here is info on mailing in a dispute - http://www.creditinfocenter.com/repair/certified.shtml Link to comment Share on other sites More sharing options...
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