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Found 12 results

  1. this is a very clear presentation of a 623 dispute so far as how the law applies to such a situation. I hope that others will find this helpful... 623 Dispute Method When the conventional method of disputing an inaccuracy on your credit report fails to yield results, the 623 dispute method may be a viable alternative to getting erroneous or unconfirmed information removed from your report. The 623 dispute method allows you to dispute any inaccurate information on your credit report directly with the original creditor. A 623 dispute does not work in the same way as a traditional disput
  2. Anyone call up the three CRA's to have all dispute language removed before starting a new round of disputes? Are the reps at the CRA's accommodating in doing this? Would doing this prevent the "we've already investigated this/frivolous" love letter we sometimes get back?
  3. I know we have a Chex forum, and I've gotten help from there on a more Chex-specific issue, but this is more about FCRA and CRAs, in general. I want to file a complaint with the CFPB, but before I do, I thought I'd check with the pros. I disputed a misspelling of my first name (it's missing a letter) on my Chex report, and this is how they replied: (Let's say my name is Suzie Qewe.) "In addition, our records indicate that the disputed name Suie Qewe was provided by you in previous contact with us. Therefore, it has been retained in your consumer file. Should you wish ChexSystems to pu
  4. So I have a little lull in the action right now while my existing irons do their work in their respective fires, so I've been researching and reading, looking for trends of what has had some success, what has had minor results, etc etc. Came across the jack attack method in my readings, but haven't seen anything recent posted; seems like there was some good success with it in the 2009-2011 time frame, not much said since then. At least as far as I can find on here using the search. Anyone still use this method and have success with it? Am I right to understand that the point is to pi
  5. Does Opting Out improve your scores? its been so long since someone spontaneously wanted to give me credit that I don't know if I should bother. top score is in mid 600's with TU but they are climbing fast as stuff is taken off of tradelines and resolved... just wondering...
  6. does anyone know what "skip? means? Its not like I skipped out on the debt- was at same address for 40 years...
  7. http://defendyourdollars.org/posts/2948-cfpb-calls-out-credit-bureaus-and-debt-collectors-for-abusive-practices
  8. 746 eq, 666 Trans and 622 exp. I have no idea why they differ so much? I do have one dispute open and Experian seems to be keeping it on my record until it gets cleared up. I have GECRB Amazon Card with 0 balance. Bill Me Later (doesn't report, it turns out) with $50.00 balance. I have two Cap One cards, one with a 2000 CL and $80 balance. The other only has a $500.00 CL but great rewards so I use it for groceries and pay it off immediately (inadvertantly messed up last month as I paid it off the day after it was reported. Won't happen again). I have the Chase Amazon card with a $3000 limit an
  9. Anyone have advice on the best way to dispute the following: Person #1 had a Chase Flex Spending card as part of their health insurance at work. Person #2 was a dependent, and was added as AU on this account. Due to the way funds are added throughout the year, it is possible to spend more in a given month than is on the card. Person #1 gets fired, and Chase charges off the small negative balance. Person #2 now has this charge-off on their credit report. How does Person # 2, the AU, get this account OFF their credit report? Is it best to dispute via snail mail, so i
  10. I have seen some conflicting opinions on here, and hope to get a more exact answer. My EX and TU (680's) top my EQ (630's) by 50 points, and I am having little success getting it to the range of the others. I am considering freezing my EQ so that I do not waste inquiries or get denials. There is no point in having anyone pull that. But I have seen some, like Hegemony, post replies on similar questions that freezing is a terrible idea if you are rebuilding. Anyone have insight as to whether it would be best to freeze just EQ, or just to leave it alone? Thanks!
  11. Is it a hard and fast rule that CA's must be disputed with CRA's all the first time? I read in Psych Doc's transcripts that that was so, but I don't want to appear frivolous by listing most of them in the initial letter. Is there a recommended waiting period in between letters if it can be done on two different occasions? Sorry, while doing a lot of reading before posting, new and still a little lost. I have opted out and deleted addresses. Now to the rough stuff... Thanks
  12. As previously noted, a friend was having issues with US Bank, specifically errors in the reporting of the monthly statuses from 2012. Prior to 2012, there were numerous lates and even the start of the foreclosure process, which were not in dispute. Along with the diligent efforts to get the 2012 errors corrected, a separate goodwill letter was sent asking if anything could be done about the earlier lates? OK, no progress on the 2012 issue, and friend has been assured by US Bank that will be resolved by COB on Tuesday the 11th. However, yesterday ALL lates prior to May 2011 were remove
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