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Debt Verification Through The Bureaus

Date: Tue, 06/17/2008 - 08:17

Submitted by anonymous
on Tue, 06/17/2008 - 08:17

Posts: 202330 Credits: [Donate]

Total Replies: 4


When requesting verification through the credit bureaus, should I send a separate letter for each account to each of the 3 bureaus at the same time or should I stagger it out?


I limited mine to 5 disputes per letter per CRA. I then waited until day 30 when the disputes should have been completed and sent off the next round. Others have sent them only a few days apart but if they receive waht they consider "additional information" relevant to your earlier dispute they may try and take 45 days to investigate. I was disputing from reports I paid for so they had the 30 day window. If you're disputing from your free annuals they can take 45 days.YMMV


lrhall41

Submitted by NASCAR_Devil on Fri, 06/27/2008 - 10:39

( Posts: 4671 | Credits: )


I had several that were AU accounts that dropped with no issue. A few medical that were not verified by the CA. An AT&T with Palisades that I disputed as not mine and 2 with RGM that were paid collections not verified. I had a few that stuck though and I'm fighting a well known JDB on 2 of them. My last round I disputed a GEMB that had been sold but not updated since 2004. My FICO at the time was 696. GEMB verified, TU changed the reporting date and WHAM! FICO dropped to 630


lrhall41

Submitted by NASCAR_Devil on Fri, 06/27/2008 - 10:50

( Posts: 4671 | Credits: )