dispute letter critique

[decadude]

Upon recommendations and reading many recommended the jack attack dispute method and I am going to try to accomplish attacking one CRA a month. The first one I am going to try is TranUnion. Below is the sample letter with my disputes I plan on sending anyone feel free to critique. Only 2 things on my report I did not dispute so this is not a blanket dispute. I want to come back and dispute again with a second round for whatever comes back verified

 

Name

address

 

Social Security number: XXXXXXXX

Date of birth: XXXXXX

 

TransUnion

P. O. Box 1000

Chester, PA 19022

Dear TransUnion,

 

I am disputing the below accounts as there are numerous errors on my credit report. Please correct and/or delete accordingly in accordance to the FCRA so my rights have not been abrogated.

 

AFNI, Acct: XXXXXXXXXX

• The original creditor name is not correct. Please correct or delete this entry

• Account shows a balance of $81 this is not correct. Please correct or delete this entry

• The estimated date of removal does not match the information provided by the creditor. Please correct or remove this entry

 

CORNERSTONE ENTERPRISES, Acct: XXXXXXXX

• The date reflected as closed on this account is not correct date shows 05/2005 the date should show 04/2005. Please correct or delete this entry

• The estimated date of removal does not match the information provided by the creditor. Please correct or delete this trade line

 

CORNERSTONE ENTERPRISES, Acct: XXXXXXXXX

• The original creditor name is not correct. Please correct or delete this entry

• The “High Balance†is not correct. Please correct or delete this entry

 

CRED BUR SYSTEMS INC, Acct: XXXXXXXXXXX

• The date of first delinquency is not reported. Please correct or delete

• The original creditor name is incorrect. Please correct or delete this entry

• The date of first major delinquency is not reported. Please correct or delete

• The estimated date of removal does not match the information provided by the creditor. Please correct or delete this entry

 

CREDIT BUREAU SYSTEM OWE #XXXXXXXXX

• The account is reported as an open account. This is false please remove or delete

• The date of first delinquency is not reported. Please correct or delete

• The estimated date of removal does not match the information provided by the creditor. Please correct or delete this entry

 

PALISADES COLLECTION LLC #XXXXXXXX

• This is not a data factoring account. Please delete

• The original creditor name is incorrect. Please delete this entry

• The estimated date of removal does not match that of the report provided by the creditor. Please delete

 

 

PERSONAL FINANCE COMPANY #XXXXXXX

• There has never been late payments on this account please correct or delete this entry

• The estimated date of removal does not match that of the report provided by the creditor.

• This is listed as an installment account this is incorrect. Please delete this

 

PERSONAL FINANCE COMPANY #XXXXXX

• There has never been late payments on this account please correct or delete this entry

• The estimated date of removal does not match that of the report provided by the creditor.

• This is listed as an installment account this is incorrect. Please delete this

[decadude]

bumping my post I know this is a lil early

 

thanks to anyone who can help critique

[6exempt]

Hey,

After reading and studying the posts here for months here is what I see.

You should only dispute one issue at a time. Don't tell them everything thats incorrect immediately. One at a time-DOLA wrong, balance incorrect,etc. Short and simple has worked for me. Company name, acct # and 1 dispute reason. TU and EX are pretty easy but EX has an issue with my OBSOLETE dispute. Wouldn't even remove 2 mths early. Do all 3 CRA's at the same time. First and most important did you remove old names and addresses? This is the 1st step that should not be skipped.

TF

[6exempt]

Also, read, read and then read again everyword in the Newbies section. Info there worth more than a Gold Visa.

[decadude]

believe you me I have read a ton

 

I like the idea of only giving on reason at a time and then continually resubmitting with a new reason is there a limit on how many times I can dispute.

 

I know this question seems taboo but believe it or not I have not came across it.

 

Also in terms of obsolete are you using that reason first on accounts that are older than 5 and 6 years old??

[decadude]

also have you yourself had any success with this method??

 

Giving one reason at a time are you sure that is the right approach from what I have been reading it is throwing multiple problems with one account and making it more difficult for the CA to assign a dispute number also called e-Oscar Codes

 

 

Refer to jack1212's initial post

 

http://creditboards.com/forums/index.php?s...amp;hl=jack1212

[6exempt]

Hey,

I have read that if you give them all the reasons in one letter then they can say already investgated for future disputes. 1 at a time to all 3 CRA's. I have had 8 deletes from TU, 6 from EQ and 3 from EXP aka Satans Mom.

There is no limit to how many disputes but the CRA's will flag it as already investigated or frivilous if it is too soon. Wait 2-3 months before re-disputing an item.

Obsolete worked for my derogs, 3 of them, when they were less than a year away from dropping. TU was great for this but EQ said they will remain for the full term. EX actually did delete 1 that I disputed as obsolete.

I read that if your letter is too long and detailed the CRA may automatically mark it as frivilous which will make it even harder to dispute in the future.

I am now in my second round of disputes working on judgements that only appear on TU.

Also, I used the "have no knowledge of this account" lineas a dispute reason instead of "not mine". Every derog on all 3 CRAs were deleted with this. Just lucky I guess.

[decadude]

bump can someone please help me in critque of my letter

 

 

Thanks to all who reply

[decadude]

Figured I would upload a new one b/c the amount of baddies I have to dispute has changed luckily on one old account and one account I paid off I got removed online. Also on the last two accounts instead of a delete I would like to get rid of the late payment status this account is paid off but reflects adverse due to the late payments so I am hoping I can get that changed to reflect a good account.

 

Name

address

Social Security number: XXXXXXXX

Date of birth: XXXXXX

TransUnion

P. O. Box 1000

Chester, PA 19022

Dear TransUnion,

 

I am disputing the below accounts as there are numerous errors on my credit report. Please correct and/or delete accordingly in accordance to the FCRA so my rights have not been abrogated.

 

AFNI, Acct: XXXXXXXXXX

• The original creditor name is not correct. Please correct or delete this entry

• Account shows a balance of $81 this is not correct. Please correct or delete this entry

• The estimated date of removal does not match the information provided by the creditor. Please correct or remove this entry

 

CORNERSTONE ENTERPRISES, Acct: XXXXXXXXX

• The original creditor name is not correct. Please correct or delete this entry

• The “High Balance†is not correct. Please correct or delete this entry

 

CRED BUR SYSTEMS INC, Acct: XXXXXXXXXXX

• The date of first delinquency is not reported. Please correct or delete

• The original creditor name is incorrect. Please correct or delete this entry

• The date of first major delinquency is not reported. Please correct or delete

• The estimated date of removal does not match the information provided by the creditor. Please correct or delete this entry

 

CREDIT BUREAU SYSTEM OWE #XXXXXXXXX

• The account is reported as an open account. This is false please remove or delete

• The date of first delinquency is not reported. Please correct or delete

• The estimated date of removal does not match the information provided by the creditor. Please correct or delete this entry

 

 

 

 

 

 

 

PERSONAL FINANCE COMPANY #XXXXXXX

• There has never been late payments on this account please correct or delete this entry

• Please correct the late payment as this account has been in good standing

 

PERSONAL FINANCE COMPANY #XXXXXX

• There has never been late payments on this account please correct or delete this entry

• Please correct the late payment as this account has been in good standing