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2 Reasons not to Dispute Online!

Reason 2 not to dispute online

August 06

The Credit Bureaus online dispute system is set up in such a way that when you use it, it makes their job that much easier. The information you put into their limited dispute fields falls right into their electronic verification system.  By using their online dispute system (E‐OSCAR), you have no proof of the dispute or a paper trail that certified return receipt requested would give you if you had mailed that dispute. An important aspect of accelerating the credit recovery process is keeping meticulous records.

If you catch the credit bureaus in violation of the Fair Credit Reporting Act or a collection company in violation of the Fair Debt Collection Practices Act, you’ll have the necessary ammunition to beat them in court and clear your good name should you have to go that route.

Reason 1 not to dispute online

AUGUST 6

One important factor you have on your side when disputing errors in your credit report is time. By law, the credit bureaus have 30 days within receipt of that dispute to properly investigate your claim.  However, this only applies to reports other than one obtained for FREE.  In that case, the credit bureaus have 45 days to respond.