creditfixhero

623 Dispute...

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Hello!!  So, I'm new to this site...   Does anyone here consider yourself an expert on 623?  I need to do a dispute directly to the Creditor (Not the CRA), and I'm trying to find the best methond.  Thanks!!

Scott

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Have you looked around yet?  There are several good posts (including a few by yours truly) outlining the 623 process.  Check the "Primer on credit repair" sticky (link in my sig), I think you'll find a good place to start there.

 

Also, you are in Texas, so be aware you may have additional rights afforded you regarding credit and collections under Texas State law.

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Yes I am an expert in knowing that the 623 Method does not work any more (if it ever did).  There are many things I would consider before ever contacting someone I owe a debt to that is within SOL and has been dormant just for the sake of removing it from my credit reports.

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On 8/22/2019 at 5:39 PM, creditfixhero said:

Hello!!  So, I'm new to this site...   Does anyone here consider yourself an expert on 623?  I need to do a dispute directly to the Creditor (Not the CRA), and I'm trying to find the best methond.  Thanks!!

Scott

What is your goal?

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On 8/25/2019 at 12:56 PM, fisthardcheese said:

Yes I am an expert in knowing that the 623 Method does not work any more (if it ever did).  There are many things I would consider before ever contacting someone I owe a debt to that is within SOL and has been dormant just for the sake of removing it from my credit reports.

For the OP's benefit, which alternative courses of action would you recommend he consider?  It's also possible a 623 dispute is motivated in correcting inaccurate reporting across multiple bureaus.  OC's and CA's are fumble fingers when it comes to making sure trade lines are reporting accurately and consistently across all credit bureaus.  Violations of which can be utilized as leverage to eventually get things removed down the road.

As BV80 suggested, OP should provide additional details on what they are disputing, what's being reported at which bureaus, and what their ultimate motivations are.

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5 hours ago, Neo9 said:

For the OP's benefit, which alternative courses of action would you recommend he consider?

Dispute inaccurate information with ample documentation. CMRRR and copies of everything you send the CRAs.  If inaccurate information remains as 'verified' by the collection agent or OC, then my next move is to file an arbitration case against them if arbitration is in the original card agreement.

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49 minutes ago, fisthardcheese said:

Dispute inaccurate information with ample documentation. CMRRR and copies of everything you send the CRAs.  If inaccurate information remains as 'verified' by the collection agent or OC, then my next move is to file an arbitration case against them if arbitration is in the original card agreement.

Thanks for sharing this additional insight.  Are you meaning to dispute the inaccurate information under FCRA 623, but while also including ample documentation to support the claim?  I'm wondering if inclusion of supporting documents under such a dispute are beneficial as they will actually be considered by the CRA or the CA/OC when investigating a dispute or because it shows good faith later down the road when pursuing a civil action or in arbitration.

Thanks again for your time and consideration in sharing your insights.  The comprehensive info you've put together on arbitration is incredible.  I've been trying to absorb all of the material.

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