help with credit score

free credit scores

How many times can you dispute an item on your credit report?(online)?

If there is no set amount, is it bad to dispute it many times? Can it affect you negatively in anyway?

Public Comments

  1. I don't believe there is a limit, but if it's true, there's a good chance it won't go away.
  2. As far as Im aware you can query a debit from your card as many times as you wish and it won't have an affect on your account. Although I would say that you should at least try to make contact by phone or in a branch to get some closure on the situation.
  3. I don't think there is a limit. With so much identity theft these days, it's possible that there is quiet a bit on your credit that is not yours. Once you dispute, the other company has a time limit in which they must respond and if they don't then it's taken off.
  4. unlimited - but why would you keep disputing it if they verify it as accurate - if it is not send proof to the bureaus
  5. Sadly we have another batch of answers from from people who can't take 2 minutes to research their answer. Part of the "Fair and Accurate Reporting Act of 2003" gave the credit reporting agencies the power to ignore multiple dispute requests as "frivilous". A portion of the law is posted below. As you can see, there is no set amount of disputes that will "trigger" their enforcing the "frivilous" ruling.
  6. The same item which was already determined to be valid? After you dispute it once and it was valid, the companies can ignore your future disputes for that item since it could be considered frivolous.
Powered by Yahoo! Answers