A pictorial Guide to Your Dispute!

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For those who have wondered exactly what happens when you dispute an account, here- in pictures- is the process:

 

 

 

 

 

 

 

 

 

 

 

You- the consumer- review your credit reports.

Oops, what's that? an account that doesn't belong to you?

 

Let's write a dispute letter to the CRA!

 

 

 

 

 

Dear CRA peoples; This here account, it just ain't a-mine. Git it offa there now. Thankie.

 

 

 

 

 

 

 

 

 

 

 

 

 

The Consumer Reporting Agency's courier picks up the day's disputes and CMRRR's at the post office.

Because of the exceptional accuracy rates the CRA's maintain, there are not many disputes to resolve.

 

 

 

 

 

 

 

The staffuses E-Oscar to quickly communicate disputes to the creditor involved:

 

 

 

 

 

 

 

 

 

 

 

 

 

CRA employees carefully review the consumer's dispute and code it to reflect the nature of the dispute:

 

 

 

 

 

 

 

Documentation submitted by the consumer is carefully and painstakingly considered:

 

 

 

 

 

 

The Furnisher promptly replies to the CRA with corrections, additions or deletions to your account.

 

 

 

 

 

 

 

Finally, the CRA neatly files away your documentation for future reference:

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Your FAKO score is carefully re-calculated for inclusion with your results:

 

 

 

 

 

 

 

Patiently awaiting your next dispute:

 

 

 

 

 

 

 

 

There! Problem resolved. See how easy that was?

 

 

 

 

 

 

 

 

 

Hope that clears things up.