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The Players => Credit Reporting Agencies (including Chexsystems) => Topic started by: Mistly on October 26, 2009 01:09:17 PM

Title: Reporting Mistakes
Post by: Mistly 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.
Title: Re: Reporting Mistakes
Post by: Pablo 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. 
Title: Re: Reporting Mistakes
Post by: Mischievous Smurfy 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.
Title: Re: Reporting Mistakes
Post by: itsmeagain on November 01, 2009 10:32:39 AM
From FICO Forums:

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=136812 (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 (http://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
Title: Re: Reporting Mistakes
Post by: Mistly 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.
Title: Re: Reporting Mistakes
Post by: Mistly 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.
Title: Re: Reporting Mistakes
Post by: madcredit 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.
Title: Re: Reporting Mistakes
Post by: Mistly 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.
Title: Re: Reporting Mistakes
Post by: itsmeagain 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?
Title: Re: Reporting Mistakes
Post by: madcredit 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?
Title: Re: Reporting Mistakes
Post by: itsmeagain 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 (http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf)
Title: Re: Reporting Mistakes
Post by: Mistly on January 28, 2010 04:24:55 PM
Quote
How did your disputes turn out?

All disputes were removed!
Title: Re: Reporting Mistakes
Post by: itsmeagain on January 28, 2010 07:17:14 PM
Congrats.  Did he get the 52 point increase?
Title: Re: Reporting Mistakes
Post by: Avery 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.
Title: Re: Reporting Mistakes
Post by: Leao 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.
Title: Re: Reporting Mistakes
Post by: Avery on January 29, 2010 12:39:47 AM
That's why you add Experian as a defendant, too.

Experian (as with the other credit bureaus) has the money and the resources to fight so be prepared for that.  Lots and lots of cases on Pacer to illustrate this. 
Title: Re: Reporting Mistakes
Post by: madcredit on January 29, 2010 04:38:05 PM
So what is the best code (defense) to use when disputing items. Is there a defense phrase used that is better than another?
Title: Re: Reporting Mistakes
Post by: Mistly on January 29, 2010 09:32:37 PM
Quote
Congrats.  Did he get the 52 point increase?


Between having things paid off and others just being ontime and the derogotories gone from the report 1 score went to 700 the other 2 are up a bit but not to 700, they went up  about 30 points.
Title: Re: Reporting Mistakes
Post by: itsmeagain on January 29, 2010 09:49:09 PM
He is fortunate to have a friend like you . . . .  :drinking:
Title: Re: Reporting Mistakes
Post by: Mistly on January 29, 2010 10:33:33 PM
Quote
He is fortunate to have a friend like you . . . . 

Thanks! But I am the fortunate one, because I have him :)
Title: Re: Reporting Mistakes
Post by: loanaudits on February 28, 2010 05:11:16 PM
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://debtorboards.com/index.php/topic,7122.0.html (http://debtorboards.com/index.php/topic,7122.0.html)


I was wondering - if you sue the creditor - credit reporting agency - do you do it in small claims court or do you do it in regular court? Which would you recommend? Does the law allow for attorney's fees and costs?

Title: Re: Reporting Mistakes
Post by: Mischievous Smurfy on March 02, 2010 06:23:35 AM
if you win you get fees and costs in any court ...

as for which one to sue in ... lets put that in a different perspective ...

do you want go for small claims and have to teach some backwoods, probably learning impaired, magistrate who is predisposed to favor corporate america and has a comprehension problem the law or save your energy for the learning curve involved in litigating in real court where the court actually cares about the statutes and precedent already on the books?
Title: Re: Reporting Mistakes
Post by: metalstorm on October 13, 2010 04:30:11 AM

Quote
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://debtorboards.com/index.php/topic,7122.0.html

Does anyone have a copy of the pdf in the link?

-Metalstorm

Title: Re: Reporting Mistakes
Post by: Mischievous Smurfy on October 13, 2010 05:05:36 AM
http://www.debtorboards.com/index.php/topic,7122.0.html


the poster left out the "www."   as a result you end up at a page where you are not signed in and cannot access the .pdf

use the link above ... you will be signed into the new window ... and be able to access the .pdf file
Title: Re: Reporting Mistakes
Post by: metalstorm on October 13, 2010 06:08:13 AM
Thanks Smurphy

-Metalstorm