Has anyone had luck cleaning up a credit report with the on-line dispute systems?

Question

Has anyone had luck cleaning up a credit report with the on-line dispute systems?

Answer 1

I agree with crazyjester, always do your disputes by mail.

Doing them online greatly increases the chances it will be verified, since your dispute would be handled by computers and not by humans.

Plus with online disputes, you "will not" have the paper trail.

As for jls saying that your computer print out is your paper trail - NOPE !!

If your rights are violated and you decide to sue, the computer print out "will not be allowed" in the courtroom and cannot be used as evidence.  

I don't know where jls finds it in the FCRA where if something that is not inaccurate is disputed it constitutes fraud.

Even though it would not be "moral" to dispute something that is not inaccurate, the CRA's work very diligently in making sure there are plenty of inaccuracies to dispute.

Anyway, it's not to say that people have not had success when disputing online.

Though some that have not had success disputing online ended up having success when they did the same disputes in writing.

If you do your disputes online and they violate your rights, there is really nothing you can do about it other than simply continue to dispute.

Answer 2

ALWAYS dispute by mail. The online disputes are easier for the creditor to verify, plus you won't have a paper trail.

Answer 3

If you mean of the 3 credit bureaus, only one allows online disputes, Experian. The other 2 are mail only.

But yes, Experian online disputes are as accurate and same success rate as the 2 by mail.

Answer 4

I've disputed on-line and over the telephone - and both ways are fast.

Uh-huh is wrong. All three now allow on-line disputes. I just did so with all three last week.

As far as a "paper trail"...all three give you a confirmation number/page saying what you were disputing, the reasons why, and the date.  If you print it out or save it to your computer - there's your "paper trail."

In my experience with disputes, the creditor does not feel like doing the work to verify different things - and everything that I've disputed were removed.

Be warned - if you dispute something that  IS YOUR responsibility, you could be charged with Fraud. :-(

Not good.

Disputes about paid collections are always easy to have taken off.

Hope this helps.

:-)