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
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Reply: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
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Reply:bump can someone please help me in critque of my letter
Thanks to all who reply
Foreclosures & Flips Manual.
Reply: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.
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Reply: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://{$MySite}/forums/index.php?s…amp;hl=jack1212
Reply: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??
Reply:Also, read, read and then read again everyword in the Newbies section. Info there worth more than a Gold Visa.
Reply: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
Reply:bumping my post I know this is a lil early
thanks to anyone who can help critique
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- Obsolescence date letter to CRA's. [obsolescence] [cra]
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