How to avoid e-OSCAR with out hand written dispute

[Menta33]

Just got this idea today, rather than taking the time to hand write all your disputes so that you don't end up in e-OSCAR, instead, just print them on dark colored paper that interferes with the scanning software. If they can't do Optical Character Recognition (OCR), then e-OSCAR will not work and the dispute must be hand processed. You might also want to add a large printed water mark to your letter behind the body of your text to further confuse the OCR software. If you have a color printer, you could use colored ink for your font to further screw up OCR.

[hegemony]

I think you are not understanding e-oscar.

[hegemony]

why not just write the dispute in pig latin or Farsi?

[Menta33]

I'm suggesting that instead of employee reading letter and entering 2 digit code into e-OSCAR, that they use OCR and automate the whole process of your dispute. If you gunk up the works, it must be manually processed and you should have better results.

[Menta33]

why not just write the dispute in pig latin or Farsi?

Because a human reading it would not be able to make any sense of it.

[Mervynsb]

http://rebuildcreditscores.com/what-is-the-e-oscar-method-of-investigation/

 

 

this gives a breakdown on e-oscar

 

 

its truly valuable information

 

 

you can demand the CRA to procure the type of method of investigation they used

Edited April 26, 2011 by Mervynsb

[hegemony]

you have too much faith in the humans that work at the four major CRAs. even if you elude the scanners all the human-like entity working at the CRAs will do is enter a code into their internal system.

 

the scanners can read almost anything. I've seen one used by a major CRA and it can scan black printed on black.

 

My view is people should write disputes in a way that look best in court.

 

e-oscar is just an interface system/network that links data furnishers to the four major CRAs and for certain things may allow information to be transmitted from one CRA to the others. To communicate the nature of a consumer dispute even a human (as opposed to a scanner) reading your dispute will have to use it to contact the data furnisher with few exceptions (such as instances of law suits or special services).

Edited April 26, 2011 by hegemony

[Kavey]

http://rebuildcreditscores.com/what-is-the-e-oscar-method-of-investigation/

 

 

this gives a breakdown on e-oscar

 

 

its truly valuable information

 

 

you can demand the CRA to procure the type of method of investigation they used

 

Sure you can. And you can demand that the world stops turning too. I think both would have about the same outcome.

[MarvBear]

I'm suggesting that instead of employee reading letter and entering 2 digit code into e-OSCAR, that they use OCR and automate the whole process of your dispute. If you gunk up the works, it must be manually processed and you should have better results.

 

 

I think you need to understand the mechanism of E-Oscar. Over the years it has been discussed a great many times.

 

You can write your dispute on a paper sack with colored spit, or just type it out, whether that dispute is scanned or actually read by a real live person, the dispute will be handled via the data furnishers' E-Oscar interface.

[DiamondDan73]

I'm suggesting that instead of employee reading letter and entering 2 digit code into e-OSCAR, that they use OCR and automate the whole process of your dispute. If you gunk up the works, it must be manually processed and you should have better results.

 

 

I think you need to understand the mechanism of E-Oscar. Over the years it has been discussed a great many times.

 

You can write your dispute on a paper sack with colored spit, or just type it out, whether that dispute is scanned or actually read by a real live person, the dispute will be handled via the data furnishers' E-Oscar interface.

 

I read on the e-Oscar that they have to put in 1 of 26 different codes. Does anyone know what the codes are? If so, what about disputing something there is no code for?

[Nummerkins]

I'm suggesting that instead of employee reading letter and entering 2 digit code into e-OSCAR, that they use OCR and automate the whole process of your dispute. If you gunk up the works, it must be manually processed and you should have better results.

 

 

I think you need to understand the mechanism of E-Oscar. Over the years it has been discussed a great many times.

 

You can write your dispute on a paper sack with colored spit, or just type it out, whether that dispute is scanned or actually read by a real live person, the dispute will be handled via the data furnishers' E-Oscar interface.

 

I read on the e-Oscar that they have to put in 1 of 26 different codes. Does anyone know what the codes are? If so, what about disputing something there is no code for?

 

Then it will be shoehorned into the closest match of the 26.

 

People need to understand this key point: any dispute goes in as a code. If it cannot be OCRed, it goes overseas where a human looks at it and manually asigns it to one of the 26 categories - purple ink does nothing, glitter does nothing, cursive does nothing except make it more likely your dispute gets mis-categorized.

 

It's just data entry. Nobody actaully looks at your dispute and investigates it. The only thing the people do who read it is catgorize so it can go into E-Oscar and verified.

Edited April 27, 2011 by Nummerkins

[jack1212]

This is by no means anything new. It's been around since this board opened, or maybe even before. Do a search, many have tried it.

 

I have seen no evidence that it works any better than a typed professinal looking dispute.

[aares]

The question is who has asked for the method of verification, and received supporting information from the CRA?

 

I have never asked any CRA for the method of verification.

[jack1212]

I'm suggesting that instead of employee reading letter and entering 2 digit code into e-OSCAR, that they use OCR and automate the whole process of your dispute. If you gunk up the works, it must be manually processed and you should have better results.

 

 

I think you need to understand the mechanism of E-Oscar. Over the years it has been discussed a great many times.

 

You can write your dispute on a paper sack with colored spit, or just type it out, whether that dispute is scanned or actually read by a real live person, the dispute will be handled via the data furnishers' E-Oscar interface.

 

I read on the e-Oscar that they have to put in 1 of 26 different codes. Does anyone know what the codes are? If so, what about disputing something there is no code for?

 

Even if we knew the codes, we can't force them to input it. As for confusing them as to what to code it under, welcome to the Jack Attack.

[jack1212]

The question is who has asked for the method of verification, and received supporting information from the CRA?

 

I have never asked any CRA for the method of verification.

 

It's all pointless to me. I have asked for it. It is always generic and says (for example) contact capitol one at 123 w main st or 1-800-555-5555 for more info. Thats with ALL CRA's.

 

NEVER have i EVER seen a member write "contact william Smith at Capitol One 1-800-555-5555, he said it was right.

 

Wanna guess why you will NEVER see that? If you read ALL of the testimony, you would know that it is RARE for Humans to be involved.

[aares]

The question is who has asked for the method of verification, and received supporting information from the CRA?

 

I have never asked any CRA for the method of verification.

 

It's all pointless to me. I have asked for it. It is always generic and says (for example) contact capitol one at 123 w main st or 1-800-555-5555 for more info. Thats with ALL CRA's.

 

NEVER have i EVER seen a member write "contact william Smith at Capitol One 1-800-555-5555, he said it was right.

 

Wanna guess why you will NEVER see that? If you read ALL of the testimony, you would know that it is RARE for Humans to be involved.

 

Figures...without even doing it, I already knew what the likely answer would be.

 

I must read that PDF that DJW1 posted, in its entirety...Id really like to know everything that was said.

Edited April 27, 2011 by aares

[dvd]

For clarification- If you dispute something on your credit report it will go through E-Oscar and if it comes back as verified then you request a method of verification. Does that mean they will manually re-verify the dispute?

[aares]

For clarification- If you dispute something on your credit report it will go through E-Oscar and if it comes back as verified then you request a method of verification. Does that mean they will manually re-verify the dispute?

 

Highly doubt it. Maybe for some reason or another its possible, but probably 95% of the time its not gonna happen.

[dvd]

For clarification- If you dispute something on your credit report it will go through E-Oscar and if it comes back as verified then you request a method of verification. Does that mean they will manually re-verify the dispute?

 

Highly doubt it. Maybe for some reason or another its possible, but probably 95% of the time its not gonna happen.

 

If thats the case then "method of verification" is useless.

[jack1212]

Yes it is, IMO.

 

Unless you are planning to litigate and build a papertrail.