Can anyone explain how old zero balances affect my score?
Date: Thu, 02/09/2006 - 06:12
Submitted by Brooklyn Girl Fl Trnsplnt
on
Thu, 02/09/2006 - 06:12
Total Replies: 5
Also, I know that when you submit your dispute in writing you should send a copy of your credit report. Mine is a 3 in 1 so it also has the credit report from the other credit bureaus. Is it ok to send all of the information to each of the bureaus or will it hurt me more? Should I black out the other credit bureaus information?
Thanks!
Hi again Brooklyn Girl, It sure wouldn't hurt to try, that's
Hi again Brooklyn Girl,
It sure wouldn't hurt to try, that's what I think! If there isn't even an address to send a debt validation letter, I can't imagine they would keep it on there....
~Mary :)
Mary has a valid point here. If bureau cannot verify the address
Mary has a valid point here. If bureau cannot verify the address or name of the collection agency, I assume the account will be removed. So definitely dispute the items.
It seems that your Equifax report is only having this mess. Hence if you send the 3 in 1 copy, it will make your claim stronger I guess. IMO, you can proceed with it. Any suggestion from others with this issue :?:
BTW Terrell, have you checked this? This shows the steps of how to dispute with credit bureaus online. Have a look-
http://www.debtconsolidationcare.com/video/disputecreditreportentry.html
well, when I did my disputes, I didn't have to supply copies of
well, when I did my disputes, I didn't have to supply copies of my credit reports. I had just gotten one from Equifax so I was still within the 60 days on it, but experian and transunion didn't make me supply one or purchase one. But if you have it to send, then it definitely can't hurt. shirley
Quote:when I did my disputes, I didn't have to supply copies of
Quote:
when I did my disputes, I didn't have to supply copies of my credit reports. |
Yes Shirley. It is not mandatory to send copies of your report while disputing. However, if you can send some documents that support your claim, that will definitely enhance the investigation process. In that case the reports from other bureaus, which are comparatively cleaner, might help Terrell. What do you say:?:
As per the FCRA laws, it is the responsibility of the CRA as wel
As per the FCRA laws, it is the responsibility of the CRA as well as the organization that provided the information to post correct information in your file. Protect all your rights under the laws and contact the CRA as well as the information provider.
Use very simple language while disputing any item with the bureau. Include copies you have to support your position. The CRA will/should investigate your dispute very thoroughly and if the items fail to be verified, it should be removed from your file. They can also contact the other bureaus and update the results of the investigation so that your file reflects the actual credit history.
Remember, after an item is removed from your file, it cannot be put back into your file unless the creditor proves its accuracy and completeness. Before the information is put in the file, the CRA must provide you the name, address and phone number of the provider.
After the update, you can request the CRA to send notices of correction to all those who reviewed your file in the last six months. Those who have applied for job in the last two years, their copies can be sent again to the employers reflecting the corrections.
In situations, when the dispute didn't serve you the results you expected, ask CRA to include statement of the dispute in your file and in your future reports.
