Credit Dispute Knowledge Base
credit dispute? I'm getting ready to sent in a credit dispute and was wondering what inaccuracies can you report? Such as wrong open dates, the original creditor is no longer in business and is closed, amount? And what if you don't have any copies of original debt to send to the credit bureaus? My question is what will justify the CRAs to investigate the negative item on my credit report and get it removed, and what keeps the collector from re-inserting the item back on the credit report if it is removed?
Will I get different outcomes on my credit dispute? I am fixing to dispute something on my credit report. I will be sending 2 letters, to Equifax, TransUnion and online to Experian. How likely is it that I will get differant responces back. Or is that impossible? Should I send them all together at once? Or does it matter? Thanks in advance, for listening to my ignorant questions lol! Won't know till I ask. Ok thanks Guys i will send to all 3!
Can I dispute an negative item that is marked "paid, closed" on my credit report? Credit Dispute I viewed my credit report online and there is a negative item listed. My question is ..Can I dispute an negative item that is marked paid, closed on my credit report? Did I make the mistake of not disputing it first before paying the collection agency? Is there a small chance by any reason that I could get the item removed from my credit report by disputing it at this point?
Will initiating a credit dispute remove the said item from my record temporarily? When I initiate a credit dispute against a fraudulent item, will that item be temporarily removed during the investigative process?
Credit dispute letter...Do I have to send a letter with a copy of my credit report for each item to dispute? I'm currently disputing a few negativie items on my credit report. My question is this: Do i have to send one letter for "each" negative item dispute along with a copy of my credit report, even if I disputing the items with the same credit bureau? Because if that is the case, I would have to print alot since credit reports contains many pages. Or, can I just simply "list" all the negative items that I'm disputing, in one letter with one copy of my credit report (with highlighted dispute items)?
How does a credit dispute work? My husband and I moved into an apartment and we lived there for 18 months. Our first lease, my mother in law had to co-sign. That lease expired after 6 months and we signed another lease for a year by ourselves. About 3 months after that, another leasing company bought the apartment complex. After we moved out, we received a letter from the new lease company demanding $2400 in damages to the apartment. The damages included new carpet, paint, new locks, and cleaning. The carpet was worn and statined when we moved in. We did nothing to the walls that would require repainting. We didn't even hang photos on the wall. I have disputed this on my credit report. There is no way for them to prove that me and my husband did any damage because they did not see the state of the apartment when we moved in. On the same token, we cannot prove that we did not. They have also place this on my mother in laws credit report. She was not on the lease when we moved out. Any hope in resolving this? Thanks
How do I dispute a credit dispute concerning a lease that was broken 6 years ago? in 2001 I was a student in southern Illinois. I could no longer afford my rent and was leaving school. I told my landlord that I was going back home and that he could have my deposit and the next months rent. I cleaned up and left. now six years later he is reporting me to the credit bureau saying i owe 8000 and is screwing my credit. What can I do?
Do I need a membership with the credit agencies to dispute any bad credit items by mail.? Do I need a membership with Experian, Equifax, and Transunion to be able to dispute credit by mail?
How do you Dispute Credit Report Errors? Im trying to figure out what to write to dispute credit inquire.
What happens when I dispute a credit card charge? I filled out the form to dispute a charge on my credit card that I authorized as a deposit for something, was told it was refundable, but then after I cancelled they refused to refund. What happens next?
Credit dispute, item came off Experian but not Transunion? I am confused about how it works. I disputed a "joint" account on Experian, and it was removed. However, the dispute over the same account on Transunion remains. How can one company delete it and the other not? How do the creditors determine that this is my account? I did not sign for it nor agree to it. I have already gone through the dispute process with both companies. Experion took it off, but Transunion say it stays on my report after the dispute.
How do you clean your credit report when dispute letters fail ? I need to clean my credit reports, all 3 bureaus, I have been late in 2 mortgage payments this year, bringing my score to about 530. I need to have it to 620 or more. I have written dispute letters, did not work to clear entries in reports.
What happens with a credit dispute? I am Active Duty military. I had an apartment and deployed before the lease was up. Under the terms of the contract I " terminated" the lease with proof of my deployment orders, I thought. The apartment complex cleared me and told me everything was fine. Then when I returned from Iraq, I ran a credit report and found that the account had been forwarded to a collection agency because I broke the lease. I have sent deployment orders to the collection agency and had no luck since trying to get in contact with an agent. I have also disputed with the credit agencies about this report and had no better luck either. I asked for verification but I think I need to ask for validation. Can I submit my paper work to the credit bureaus to try to clear it up or what other options do I have. BTW- I even filed a BBB complaint agains the collection agency because they faile to cooperate any information to me.
what agency can help me with a credit dispute? I had 2 accounts with citi financial that were deleinquent.I settled one with citi financial in 2006,and the other one just recently in 2007 with the collection agency it was sent to.I thought I was done with them ,but when I got home today I received a letter from a collection agency for the account that i settled in 2007(It is a different agency then the one i made the settlement with) for the balance of the amount that was supposedly forgave.I cannot find my release of debt letter.Can the collection agency pursue me for this?I do have the copy of the western union receipt for the funds that i have sent.Please advise.
Can you dispute Credit Report inquiries? Someone just asked me this and I didn't know the answer. So I am hoping someone else does. Credit disputes/credit "repair" normally works best on older accounts because it is more difficult for the information to be verified. Inquiries only stay on your report for two years, which really doesn't meet this critereon. Has anyone had success removing these?
Will filing a credit report dispute make the debt go away? I have a collection agency after me for a debt. If I dispute the debt and the credit reporting agency does not get a validation, I know they will remove it from my credit report, but will the collection agency have to write it off as well?
Must I dispute a negative item with all 3 credit bureaus? I have a negative item on my credit report. I disputed it online with Exparian, and got it removed. Do i have to continue to dispute it with Transunion and Equifax?
Anyone has any success with credit card dispute on a non-refundable partial payment on a car contract? I have signed a car contract with 1k non-refundable partial payment because the dealership has to located the car. We had an oral agreement that the car shouldn't exceed certain miles. When they call to tell me they located the car for me, they refuse to tell me how many miles on the car. At that point, I told them we had an agreement. The sales manager keep pressuring me to take the car, he was rude and unprofessional. At that point, I told him that I don't want the car anymore. I want to cancle the deal. We were arguing about the deposit. The next thing I know, he slammed the phone on me. I am not able to talk to anyone else at that dealership other than the rude sales manager. So, I called my credit card company and dispute the charge. At this point, I just want to know if anyone has any idea about the chances that I will get my money back from my credit card. Thank you everyone for taking the time to read this and reply! I have signed a car contract with 1k non-refundable partial payment because the dealership has to located the car. We had an oral agreement that the car shouldn't exceed certain miles. When they call to tell me they located the car for me, they refuse to tell me how many miles on the car. At that point, I told them we had an agreement. The sales manager keep pressuring me to take the car, he was rude and unprofessional. At that point, I told him that I don't want the car anymore. I want to cancle the deal. We were arguing about the deposit. The next thing I know, he slammed the phone on me. I am not able to talk to anyone else at that dealership other than the rude sales manager. So, I called my credit card company and dispute the charge. At this point, I just want to know if anyone has any idea about the chances that I will get my money back from my credit card. Thanks everyone for taking the time to read this and reply! Note: I used no insults or profanities towards the manager.
If I pay with a MC convenience check can I dispute with credit card company.? I am wanting to pay for a vacation from an independant travel agent. She wont take a credit card unless in person. She will let me use a convenience check among other options. I wondered if I use that method & dont receive the tickets as promised. Can I dispute this with the credit card company as I could with a MasterCard pruchase?
Does anything negative happen to my credit if I dispute a late payment but it is upheld? I recently disputed a late credit card payment. If it is not removed from my credit report though, will they take points off my score? Thanks!
How do I dispute credit items on my credit and log in identity theft to my credit report? I have had so much trouble with identity theft the last few years. I have not been able to get a home or a car. I know there has to be a way out there to get some of those older items deleted isn't there?
Do I have to send my entire credit report to dispute? I know we should send a credit report while disputing something from the bureaus but do we have to send the entire report. I have a 16 page report !! LOL yes 16 pages and want to know if I should just copy the page that contains the incorrect information or copy the entire report. Please note, I’m asking this because through my experience credit bureaus love to prolong the process by stating there isn't enough information and I need to submit additional documents. Sorry, but please answer if you're certain of the answer :-) Thanks in advance!
Can a collections agency file a negative credit report while the charge is under dispute? What good does disputing a charge do if they can still file a negative credit report? Am I going to have to file a dispute with the credit companies after all this is over as well?
How can I win a credit card dispute? I bought a $800.00 plane ticket but missed my flight. NWA could not accomodate me and will not give me a refund. How can I win this tcredit card dispute?
How to dispute credit? I had credit pulled by a mortgage company and noticed errors. I want to dispute but I don;t want a credit report from the companies (I mean, I already have one, why the overkill) do I HAVE to have one by them to dispute online? If I want to dispute by mail, do I have to use the form from Transunion since I do not have a credit report by them. Also, what is the mailing address for Experian?
Credit card dispute for services not rendered? I purchased 60 personal training session and did not get all the sessions entitled. I have tried, unsuccessfully, to work out an arrangement for the remainder. He won't return my emails. I contacted AMEX who was reluctant to open the dispute but did. Is there a time limit for services not rendered when you make a deposit? Or would I be better off going to small claims court?
Should I pay on old item on my credit report or dispute it? I have a new item on my credit report from Calvary Portfolio services for 57 dollars from Sprint. I have not been a Sprint customer for over 4 years. Should I pay this 57 dollars or should I try to dispute it? What are my chances with this dispute? Is the fact that its such a small number make it more likely that it will just be dropped? I find it ridiculous that such a small figure is ruining my score. I was a Sprint customer at one point and my guess is that this was the last bill after switching from Sprint to Cingular that I didn't realize they were still charging me for, but I had no information about it until I checked on my credit a few weeks ago.
Credit card dispute analyst looking for job in Dallas,TX? I'm currently going back into the workforce.I'm looking for a job in credit cards. The job would be called chargeback analyst. This is someone that analyst and process credit card disputes from the cardholder. Ok does anyone have any ideas? Does anyone even do this anymore?
If I dispute inquires on my credit, will the credit bureau automatically take it off or will they investigate? I have a TON of inquires on my credit and I heard if you dispute them they will take them off. Will they go real deep into it or will they just remove them with no questions asked?
What is the proper format to write a dispute letter to the credit bureaus? I need to dispute an item on my credit report. What is the proper wording or format I would use to do this? If anyone could help me, I'd be greatly appreciative.
Is it fraud to dispute accurate information on credit report? I have been doing alot of reading on how to fix my credit reports and one of the methods i've seen says to dispute any and all bad marks on your credit even if you know it's correct. is this true? will i get in trouble if i do this?
Can a debt in dispute be reported to a credit agency? I have legally terminated a contract with a gym due to a move. However they continued to bill me and gave my acount to a collection agency. This agency has refused to accepted any and all documents I can give them as proof of move. They won't even accept a notorized change of address from the USPS! They are now threatening to report me as delinquint on my credit report, dispite my dispute. ***Ladies: NEVER join Ladies Workout Express or LA Fitness***
How do I dispute negative items on my credit report? I have one negative item on my credit report. How do I dispute this item? I have heard that if you dispute an item and that particular company does not acknowledge it can be removed from the report all together. Is this true, and how do I go about doing this? The negative item is from Mac Tools Distribution, if that will help. There is an address on my report although there is no phone number. Do i need to call them, or a different source?
How do I dispute items on my credit? I'm trying to get some negative stuff off my credit. I've been told by credit repair people that even if you do a settlement it still doesnt help your credit so I might as well just dispute everything. What reason do I put down? Does it matter? I'm disputing online and it gives me a list of reasons why I'm disputing. Does it really matter which reason I put down?
How can I dispute negative items reported by Campus Partners to my credit report about a student loan? I have been unable to get anyone on the phone at the Campus Partners via the number they give at 800-344-8609 and cannot seem to find the right directory for filing disputes in their automated response system. I have already initiated a dispute via Experian's credit expert. Please help me find out how to get a live person on the phone with Campus Partners. I've also already tried pressing 0 and # and * all the usual keys that indicate "operator" in similar systems. One issue I am having is getting a live person on the phone. I have no idea how to get a live person from Campus Partners on the phone. Their automated response system will not let me get to an operator or any person. As a result I cannot ask them any questions or collect necessary information to file a complaint with the BBB.
Do i send dispute letters to the credit bureau or the creditor themselves? I am trying to fix my credit and i am a little confused, do i send the dispute letters to the credit bureau for each thing i am disputing or do i send them to the person who is trying to collect the money. Also should i send my disputes one at a time or can i send more than one. What should i expect out of this. Please help me out
How can somebody purchase the stuff by using their credit card, and drop or dispute the payment later? i been using credit cards for 5 seven years since i came over America. There is one thing i still can't understand it. One example, my friend used to own a small fast food delievery store. Lot of his customer call in to place the food order and give their credit card information; then he manually enter the card number, then deiliver to them and get their signature on the printed slip, just like all the businesses do. But later he received the payment dispute notice from the credit card company. it seemed there is nothing he could do. It is like people ate the food, later just drop the payment they should make. One more story, last year i helped selling tickets for some kind of cherity concert. Lot of people were like playing nice bought the ticket to come, but a month later we receive disputed payment over a thousand. i don't know if they fix it or not. but anyway, How could that happen? people bought something and later legally refuse to pay for it?
Excuses for filing a dispute with the credit bureaus? I'm trying to clear up my credit and I want to dispute about 5 items of my credit report, but I need excuses? What excuses can I use? Suggestions only please... Don't tell me to be responsible. Thank you
Can merchants bill you directly after a credit card dispute has been settled in your favor? I bought a sectional sofa on JcPenny's website.It was delivered by truck to my home.The frame was split.I immediately called JcPenny to resolve.They wanted to bill me again to order a new sectional that wasnt even in stock yet.They say they don't do exchanges. They told me they would have the trucking co come back and pick it up and it could take up to 4 wks to get a credit.I called to dispute with my credit card.They tried to fight the dispute for a few months.I received a letter saying it had been settled in my favor from the cc company.Their trucking co. set up two appointments to pick it up and did two no call no shows.Yesterday I received a postcard-bill from jcpenny.
How far out from date of purchase can you dispute a credit card transaction? I bought a used car from a dealership and it was stolen four days later. They never processed any of the paperwork for title transfer with the DMV so I would like to dispute the purchase on the basis of never being given title. I called the dealership and they said that it was still in their pending file though they could not explain why. I did not have theft insurance so I would really like to recover my money if I can.
Does anybody know if it is better to dispute credit issues online, or thru the mail? I know they have 30 days to verify, or it has to be removed. I'm just not sure which method would benefit me the most as far as them missing the 30 days.
In need of information on how to dispute a claim on credit? My company has another company claiming we owe them money and has sent us to collections. Is there a form or number I can call to dispute the claim? I tried calling Experian, Equifax and TransUnion and have hit dead ends. Can anyone make a suggestion on how to dispute this? Should I just put a fraud claim into the credit agencies? Help Please! Thank You! This company claims that we agreed to recieve a 6 page booklet and is charging $236. We have argued with them for months stating that no one in their right mind would pay $236 for 6 pages of information. They have not been able to prove anything yet they still have sent the charge to a collection agency.
who can i contact to dispute a credit card chargewhen the cc company wont help with dispute? we had a problem with a moving company not disclosing info so we canceled at the last minute and immediately called the creditcard co. and told them to put a block on our card so they could not charge us, they still accepted the charge, gave us a credit and then charged us back after we had closed this acct.
How do i dispute credit reports flaws? do i need to send a letter for each indivdual or can i send one with a list of all of them?
Credit dispute.? I just checked my credit and it said i have a credit score of 632! It said thats because of an old account that i owed money on. I had the same problem 2 years ago with this account and i called and they said that they i couldn't do anything about it because they took it as a complete loss and the dispute was closed. I'm going to call them tomorrow but if they don't cooperate, whats the alternate routs? Thanks. PS. The amount owed was $25.
How do you follow up after you have submitted a dispute regarding something on your credit report? I recently mailed some documents to dispute an item on my credit report. I received a phone call from an automated service stating that my request had been received and my dispute should be completed in 14days. Don't really know where to go from here, or what the possible outcomes may be. Ive tried looking online but it seems i am looking in all the wrong places.
credit dispute? if i dispute something on my credit report, does equifax contact the original creditor or the collection agency to verify amount owed.
Credit dispute? I disputed several items on my credit report with Transunion. They sent me an E-mail about a month ago saying the will send me the results and or an updated credit report when the investigation is complete. If the creditors did not respond within 30 days are those items deleted from my credit report automatically and if so will they be taken off the reports from the other two credit bureaus.
Credit Dispute? Does anyone have the addresses to all 3 credit bureaus to send a letter disputing a discrepancy on my credit report??
Credit Dispute? Has anyone heard of, know of, or believe in settling with a creditor with the settlement stating that they wont respond to the credit bureaus inquiry? Do creditors engage in this type of settlement? If you have proof in writing, what can you do if they fail to do so? Is this possible? Is it against the law? What do you guys think?
credit dispute? Was curious if anyone knows about wether or not a collection company can still charge you if the company you originally had the account with went bankrupt? Someone told me that if the collection agency has no way of getting a hold of the company that sold them the account then they can't prove any balance due and therefore cannot charge you or keep it on your credit report? Especially if they do not have an itemized bill with dates of service, right?
Credit Dispute with Fig? "I have a credit account to pay for cosmetic services. The company that was to do the services has gone out of business nationwide and will not continue operation. Since I didn't recieve the full series of treatments and cannot now do so, what are my options? I files a formal dispute of charges with the creditor, but I have heard no response. Should I follow up via phone? I am a college student and have good credit. I don't want bad credit to weigh me down on future purchases. By the ay, the credit company is Care Credit and the service company is Fig. You can go to the Fig. com website to see their rather terse comments to customers."
Credit Dispute Question!? Ok, I think this would qualify as a two part question. So i just found out that my credit score dropped considerably. I have a parking ticket in Washington DC, and a collections notice from Verizon. My plus score dropped about 50 points. I think each of these were reported to just one of them changes were reported to just one agency each. The question is the parking ticket, and the collections item. I was wondering how to dispute these. Should i pay them then dispute them, or dispute and try to settle. Since one is a parking ticket, do you think the government will settle. I dont think they would, but i thought i would ask. I would appreciate any help. I was thinking of hiring a dispute agency to help out. I found some convincing agencies online. What do you guys think? Since there hasnt been any changes in the last two years, it seems that just these items dropped my score. Im thinking if i could get these deleted, i could easily lift my score back to normal. What do you guys think?
I won credit card dispute now merchant threatens collection/legal action. What do I do? What rights to I have? I won a credit card charge dispute with an insurance company that filled out their paperwork improperly not covering equipment to be rented and therefore the rental company would not rent it. The insurance company say they don’t provide refunds once insurance is bound, but it was bound improperly and they did it at the last minute, went home and didn't answer calls so the equipment couldn't be rented because they didn’t fill it out properly to cover it. Regardless, the dispute was found in my favor hands down. I received an email from the insurance company threatening collections or legal action if I do not send a certified check. Is that legal? Is it just a scare tactic since it was already found in my favor? I am now tempted to sue them for the expenses it cost me because I could not rent the equipment I needed that weekend. (It was film gear for a short film) I assume they have no ground as otherwise credit disputes would be pointless. Any advice would be appreciated.
what does "updated" on credit dispute mean? I started an online dispute with one of credit bureaus and in some items says "remains" that i undrestand others say proccesing and there are a few that say"updated".what exactly does updated mean ? So i guess that means that it could have been removed or not.
Help! Credit Dispute? I disputed things on my credit and I am not sure if the credit place took the right steps. They got back to me on the 43rd day. They also did not send me an updated credit report (which I thought I was suppose to get) There is still an item on my report which is a duplicate of something else that is on there, what should I do about that? I dont know what actions to take, I tried calling them and I was on hold for 1hour and then some cranky woman answered the phone who didnt want to hear anything I had to say Please help me with this I first want to make sure I have all the information about my rights, laws, whats and what nots about the credit companies. I have been searching online and basically I read I have to have a responce within 30days in writing and I get a free updated copy of my report after the dispute. From when I called the agency (experian) I was told everything I read was wrong. They sent me an email on the 43rd day, I got NOTHING in writing.
disputing credit- can i dispute an item that shows "n/a" for last payment or last activity? i am in the process of disputing credit and the it is hard to read the report. can i dispute and item on my file that does not have the information for "date of last payment or date of last activity? please advise
Dispute credit report? If I do dispute two enteries on my credit report for the same credit card company and they do validate it, will the statue of limitations start over??
Need Help To Dispute Credit Report? Situation: I went to a college in NYC in 2002. I enrolled in September, left by October. I had gotten a loan from Bank of America for part of my tuition. When I left the college I cancelled the loan, therefore the school never got the money. However, the school wants the 14K even though I wasn't even there for a semester. When I dropped out the only thing I ever signed was a Withdrawl Form which has nothing regarding being responsible if I left, etc. Is there any way of putting the burden on the college to prove that I do have to pay and dispute this in my credit report, etc? And since this is a debt owed to an institution, not a student loan, etc...Is there any Statute of Limitations? Also note that I have not heard from the collection agency in years. On my credit report it states that the Date of 1st Delinquency was 09/2002. However, I was attending school in 09/2002 and didn't leave till 10/09/2002. Does that make sense?
Credit Card dispute. Merchant threatens collections.? This is to clarify an earlier question. I disputed a credit card charge from a merchant with my Credit Card company. The dispute was found in my favor, not in court, but by my credit card company and the merchants bank. The merchant is now threatening to send it to collections or take legal action. Doesn't disputing a charge and having it found in your favor take care of any legal or collection action? Otherwise merchants would do that all the time and there would be no point of credit card disputes and no consumer protection. Isn't this also coverd by the FTC? Thanks!
Credit Issues/Dispute Letters? I would like to better my poor credit rating, someone suggested I write dispute letters to the 3 major credit bureaus however I honestly cannot dispute the fact that I do owe these debts but many of the items on my credit report are over seven years old and appear to have been sold to new debt collectors and re-submitted. Would dispute letters benefit me in anyway and if so how would I word such letters to work in my favor? THANKS:):):):)
Credit score dispute question? I heard there was a way to dispute things on your credit report. First, tell me if I have grounds to do so. And if so, how do I do it. I have a sears card that had a balance that I knew the exact ammount by calling and asking. I transfered this to a different card in full. But apparently there were finance charges which hadn't been added yet, and they added them after, in the ammount of around $10. I then got reported as 30days late, and credit score dropped by almost 90 points on the 830 scale. I am willing to pay this, and I actually worked at sears and remember this happening to a customer, and one of our managers called some credit number and had it taken off the guys credit report.
Credit Card Dispute? Hello, I am hoping somebody can help me with this. I have looked at my credit history and it shows a negative record that went to collections. This happened back in 2002, when I was 14! I don't believe this should affect my credit so drastically. I am hoping if anybody can give me advice as to how I should dispute it. I don't believe creditors are allowed to affect my credit if I'm under 18. If this is not true, please let me know. Thanks.
Credit Card Dispute at a car shop? I took my car in to a shop to get work done on it. I paid 2100 for the work of the car and got an invoice and a copy of the cashier check I paid the guy at the shop(i know I didnt use a credit card and I thought my car was done) well guess what? the shop folded on me and left my car UNFINISHED even though I paid for work that was suppose to be done. The guy passed it on to a auto shop next door and they mentioned they were going to finish my car really fast. Now there seems to be "problems" with the car and its not ready even though I paid the first shop. They are telling me the first shop subcontracted work to them and most of it is unpaid so I owe the second shop money. my question is. I think its unfair but to get my car im forced to pay. Can i pay with my credit card and then dispute the charge considering I paid the first shop and have the invoice and the cashier check reciept? Just thought I would ask and if its even worth it. Thanks guys
How can you "repair bad credit"? or dispute items on your report?? If you owe it- you owe it. How can these companies "legally" repair your credit?? I am confused?? i went to a website that says they send dispute letters...How can you dispute an account you owe?? How does this work?
Dispute Credit Card Charge, Comedy Club? Bought tickets to a comedy show w/credit card. There were supposed to be 3 comedians (all of who were named on the website, and in other promotional materials), but only 2 performed. -------- Spoke to club manager after show, the manager at the club said the missing performer was delayed and she found out about it only 2 hours before show ... I bought my tickets only 1 hour before show, and was told by ticket seller that there would be 3 comedians. I told manager that it wasn't my fault the performer was delayed, I should get a full or at least a partial refund. She said too bad, you saw a show, we're keeping your money. My phone calls to the club manager have not been returned. ------- Would I be successful disputing this on the grounds that the promised performers did not perform?
Credit bureau dispute process? Trying to get ahead of the game, I have disputed some items on all 3 credit reports and want additional info. If a company reports only to 2 bureaus that info is current and accurate but fail to notify the 3rd bureau, is it enough cause to have it removed from the other bureaus? So if a company fails to report to all bureaus and an item is deleted from one can you have that same item deleted from another?
if i dispute my credit rating is it true that while my dispute is being processed my credit ratting is cleared i have been told that this can happen in nz.say if there is somthing in your credit history that isnt corect then if you were to dispute that particular thing your credit rating is cleared while they are sorting through and processing your dispute
Credit Dispute? If you dispute something on your credit report to try and get it removed (even if it is accurate), how long do creditors have to respond before it gets taken of of your report because they failed to respond to the dispute?
Account Dispute on Credit Report? I recently disputed an account on my credit report. I was wondering if my credit score will decrease because of the dispute. There also has not been any activity on the account in over 6 months. This is an account I paid off but it was still showing that I had a balance. Advice would be appreciated.
Credit dispute? Has anyone been sucessful in having negetive items removed from their credit report by disputing the items with transunion, even if those items are actually correct but you just wanted to try to get them removed?
Credit dispute removal? I did a dispute with experian and I got something deleted Does that mean that the two other credit agencies need to take it off as well? Or do they keep it on there? Im so confused
A dispute on credit score? I have 2 collections, which are affecting my credit very bad. One is 1467 and other is 148. It's medical bills. They didnt inform me and i thought the insurence company took care of it. How can I successfully dispute on this with the credit people. Corrent score is 656 (experian)
Should I dispute my credit report? I recently checked my credit report and noticed that (on all three), my boss' business account is listed on which I am an authorized user. The reports list it as carrying a balance of $5000, and my boss' home address is even listed as one of my previous addresses (which is obviously not accurate). However, I never saw an application, never see a statement, and have no control over making payments or adding charges. Should I dispute this account being listed on my report and affecting my credit rating?
Need Help To Dispute My Credit Report? Situation: I went to a college in NYC in 2002. I enrolled in September, left by October. I had gotten a loan from Bank of America for part of my tuition. When I left the college I cancelled the loan, therefore the school never got the money. However, the school wants the 14K even though I wasn't even there for a semester. When I dropped out the only thing I ever signed was a Withdrawl Form which has nothing regarding being responsible if I left, etc. Is there any way of putting the burden on the college to prove that I do have to pay and dispute this in my credit report, etc? And since this is a debt owed to an institution, not a student loan, etc...Is there any Statue of Limitations? Also note that I have not heard from the collection agency in years. Also. On my credit report is states that the Date of 1st Delinquency was 09/2002. However, I was attending school in 09/2002 and didn't leave till 10/09/2002. Does that make sense?
Credit Card dispute. Merchant threatens collections.? This is to clarify an earlier question. I disputed a credit card charge from a merchant with my Credit Card company. The dispute was found in my favor, not in court, but by my credit card company and the merchants bank. The merchant is now threatening to send it to collections or take legal action. Doesn't disputing a charge and having it found in your favor take care of any legal or collection action? Otherwise merchants would do that all the time and there would be no point of credit card disputes and no consumer protection. Isn't this also coverd by the FTC? Thanks!
Has anybody used "Dispute Letters" to remove bad debts from Credit Report? I really want to get rid of my bad debts and I'm studying how to do so by sending the 3 major credit bureaus dispute letters. Has anyone tried this technique? Does it work? What other techniques are there?
What is the best way for me to dispute mistakes on my credit card bill? Here's my problem; Dec. 2nd I got a call that I was over my credit card limit & that I needed to make a larger payment than my Dec. statement listed to get back in good standing. I agreed, over the phone (perhaps that was my mistake) to make 2 payments within 1 week's time. Those payments are showing up on my Jan bill, but there is also a 3rd, larger payment listed which I did not authorize. Their failure to get that money out of my checking account has resulted in a return check fee, as well as additional "check by phone" fees. I've called twice about this error & have seen no results yet. I have accessed my account online & there is a link where I can dispute fees & credits. Would I be better off handling this online, rather than talking to customer service reps who tell me they'll look into it, but obviously haven't yet? Would I be out of line to report them to the Better Business Bureau if they don't clear this up soon? My card is through HSBC, if that matters.
credit dispute oddity? I filed for disputes on all 3 CRA,however I received a letters from all 3 stating that they received my request for identity theft and has placed some 90 day fraud alert on them.I never reported my identity as being stolen,just wanted to clear a simple medical dispute that should have been covered by my insurance company. Is this common to receive these letters during disputes or is that their way of extending a dispute or something else?
Credit Dispute Information:? I have written equifax once with some disputes, but i need to do it again and be persistant. Maybe some one can kind of tell me how to word it, etc. to make it sound persistant and professional...etc. is there any secrets, tips taht you have used or know work??? Thanks!!!!! Sorry: I have a low score, and need to try to dispute some old collection accts. etc, so that it will possibly bring my score up some, neg. on my credit are minor like cell phones adn positives are major like loans but i still have a low score....??? i can't even buy a car without like $3000 down and most want co-signer, adn thru secondary places....etc. i just keep getting crappy rates, hassled, etc. i am in college and don't want to have to have this battle to buy things and such when i grad. and start working soon, and i would certainly like to have a car to do so as i don't right now......
Credit Bureau keeping dispute records?? Do they keep dispute history in ones credit file? There has to be a way of them tracking past disputes, right?!?!?!
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