fifdaddy

Handwritten Credit dispute Letters

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Greetings All,

I came across an older thread discussion in regards to tips on having your mailed disputes read by human as oppose to the e-Oscar system.  I was wondering does anyone have any updated tips on hand- written credit dispute letters which have a greater chance of avoiding the automated investigation and reviewed by a human?

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12 hours ago, fifdaddy said:

I was wondering does anyone have any updated tips on hand- written credit dispute letters which have a greater chance of avoiding the automated investigation and reviewed by a human?

Complete and utter garbage.  Their used to be a contingent of people who believed if you sent a dispute letter that was hand written in special colored ink on special colored paper that it forced the bureaus not to use their automated system.  Nothing but garbage.  

First and foremost the bureau has no obligation to "investigate" anything.  The way a consumer defines investigation is that the bureau does thorough research on the dispute including getting documentation and evidence the debt does belong to the consumer.  The reality is "investigation" means when a consumer disputes a debt they are obligated to send an inquiry to the reporting creditor stating the consumer disputes [specific information] and they are requesting the creditor validate the information.  The creditor merely has to send back the appropriate E-Oscar code that indicates the information is correct and the whole matter is officially closed.  The bureau(s) are not required to gather evidence or use a CSI team to prove the debt belongs.  That burden is on the consumer.  

The tactics that worked 10 years ago before the recession no longer work.  Both creditors and the bureaus have refined their responses in the wake of many of the things consumers did to thwart the system.  

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