Author Topic: Reporting Mistakes  (Read 9581 times)

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Mistly

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Reporting Mistakes
« on: October 26, 2009 01:09:17 PM »
Is there a way to fax disputes to CRA's? All I can find is PO box addresses.

Pablo

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Re: Reporting Mistakes
« Reply #1 on: October 31, 2009 06:03:41 AM »
No, not that I know of.  You can dispute on the phone, on the internet or via mail. 
"Another day, another life / To feed with all that I call mine / Is what it takes, so I go out tonight / Shining lights of crossing cars / An open sky, a million stars / They open up my eyes and this is just because / I feel, I feel so alive"  ~ "Feel Alive" - ATB

Mischievous Smurfy

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Re: Reporting Mistakes
« Reply #2 on: October 31, 2009 09:30:28 PM »
I think there are some who fax disputes but i don't know the numbers and i wouldn't do it.
Ease of Use - Smurfy's Quick Reference


why are we requesting validation instead of disputing???  Why Why Why

itsmeagain

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Re: Reporting Mistakes
« Reply #3 on: November 01, 2009 10:32:39 AM »
From FICO Forums:

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=136812

"This information is provided by Fair Isaac Corporation, and is used with permission. Copyright Fair Isaac Corporation. All rights reserved. Further use, reproduction, or distribution is governed by the Fair Isaac Copyright Usage Requirements, which can be found at www.fairisaac.com."


EQ Business Line (also has option for Personal): 888-202-4025

EQ office in GA: 800-685-1111
EQ Dispute Fax #:  888-826-0573, 888-826-0549, 888-729-0083
EQ Business:  802-304-0364
EQ: 800-797-6801
CSC, EQ's Credit Reporting Outsource:

   866-264-4878

   281-878-1900

   281-878-4848
   800-305-7868
CSC Fax: 281 878 4999

 

EX office in TX: 888-397-3742

EX Business:  888-211-0728

EX: 800-493-1058 or 888-397-3742 (automated answer, but keep pressing "0" every time the recorded voice starts, and eventually you should get a live person)

EX Dispute Fax: 972-390-3838

 
TU office in PA: 800-888-4213
TU: 888-259-6845 (6am-12 pacific time)
TU: 800-916-8800 (consumer relations)

TU Dispute Fax: 610-546-4606, 610-546-4771

 
Innovis:

Automated Info/Dispute:  800-457-0247

Corporate Office:  614-223-0647

Mistly

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Re: Reporting Mistakes
« Reply #4 on: November 02, 2009 07:28:36 PM »
Thanks Guys. I actually already mailed the disputes. If they fix all 3 disputes this should raise his score. which isn't too terrible (all 3 scored the same 648) I am hopefu;l the score will come up a little closer to the 700 mark. 700 would be nice but not expecting a 52 point increase.

Mistly

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Re: Reporting Mistakes
« Reply #5 on: November 17, 2009 10:23:24 PM »
currently I know one of the derogotories has been removed. I should hear on the rest in about a week or so.

madcredit

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Re: Reporting Mistakes
« Reply #6 on: January 27, 2010 06:53:25 PM »
How do you dispute a TL with a letter? One at a time? all of them? Some accounts of his i dont know what they are but i dont know how to write the letter.

Mistly

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Re: Reporting Mistakes
« Reply #7 on: January 27, 2010 09:18:59 PM »
you have to just send them the account info name of creditor and acct # and reason for dispute...ie not your acct, paid in full ect. I found with the mistakes on the report the creditor didn't respond so it was removed.

itsmeagain

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Re: Reporting Mistakes
« Reply #8 on: January 28, 2010 07:52:27 AM »
How do you dispute a TL with a letter? One at a time? all of them? Some accounts of his i dont know what they are but i dont know how to write the letter.

It has been said before to not dispute more than three or four items per letter.  The reason is because the person who receives your dispute must reduce them to a two digit code and more than three or four confuses them.

currently I know one of the derogotories has been removed. I should hear on the rest in about a week or so.

How did your disputes turn out?

madcredit

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Re: Reporting Mistakes
« Reply #9 on: January 28, 2010 01:59:48 PM »
ok thank you so much? Mind if I ask how long they stay off if removed? wouldn't they just be put back on the next reporting period?

itsmeagain

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Re: Reporting Mistakes
« Reply #10 on: January 28, 2010 02:54:02 PM »
Mind if I ask how long they stay off if removed? wouldn't they just be put back on the next reporting period?

No! The FCRA has strict requirements for reinstating a trade line that has been removed. 

15 USC 1681i(a)(5)(B) Information that has been disputed and removed that is reinserted must be certified about the accuracy by the furnisher, CRA must notify the consumer within 5 days.

You might also want to look at the entire document.  There's some interesting reading there.  Here, you can download your own copy and peruse it at your leisure.  http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf
« Last Edit: February 15, 2011 09:41:16 PM by Admin6572 »

Mistly

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Re: Reporting Mistakes
« Reply #11 on: January 28, 2010 04:24:55 PM »
Quote
How did your disputes turn out?

All disputes were removed!

itsmeagain

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Re: Reporting Mistakes
« Reply #12 on: January 28, 2010 07:17:14 PM »
Congrats.  Did he get the 52 point increase?

Avery

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Re: Reporting Mistakes
« Reply #13 on: January 28, 2010 08:59:10 PM »
The reason is because the person who receives your dispute must reduce them to a two digit code and more than three or four confuses them.

And those codes rarely have anything to do with what you disputed...  You could tell them the balance is incorrect and all they will do is send a code that asks the data furnisher "does this person have an account with you?", and it comes back verified.

Leao

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Re: Reporting Mistakes
« Reply #14 on: January 28, 2010 10:45:40 PM »
You could tell them the balance is incorrect and all they will do is send a code that asks the data furnisher "does this person have an account with you?", and it comes back verified.

That's why you add Experian as a defendant, too.

 

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