The credit bureaus can be very cooperative, and then again they can be downright frustrating. Success with credit bureaus disputes is predicated on two factors: technique and patience, and not necessarily in that order.
Credit Bureau Personalities
Each of the three credit bureaus has their own personality. One of the bureaus is more consumer (and dispute) friendly than the other two. One is downright difficult. And the third is just about right in the middle. The most difficult of the three seems to reject a pre-determined percentage of dispute letters without reading them.
The Wrong Response
Dispute letters are sent, and responses are forthcoming. In the case that the response is not acceptable you cannot give up. The response may include a request for additional identification even when the ID provided was perfect. In many cases, the reporting error is ingrained in the creditors system and is not likely to be cleared up through the basic software system the bureaus use to communicate with creditors. And then there is the very real possibility that your dispute was never even read.
There is absolutely no point in getting upset if you do not get the result you want. There are many aspects of credit repair that are pure science and will deliver expected results every time, but when it comes to credit bureau disputes it make take a couple of shots. No sweat. You just have to work with the system as it is. Go with the flow. Even if a percentage of dispute letters get ignored, the majority do get processed properly. To the extent that it is a numbers game, patience pays.
One of the failings of the many automated credit repair companies you can find on the web is their practice of sending out the same dispute letter over and over. Each verification letter that a credit bureau sends out represents an opportunity. Our credit repair method takes advantage of these verification letters by replying directly to them with a customized re-dispute and a demand for additional research.
Taking the Next Step
If you do not get the response you want after a repeated effort, you can still push the dispute through the system. Assuming that you have the courage of your convictions and want to pursue the issue you can send the credit bureaus a dispute procedure request including the specific creditor contact information where the dispute was verified. The bureaus have 15 days to provide this upon request. Once you have specific creditor contact information you can send your dispute directly to the source. If you are a member of our credit repair service we will manage this routine for you.
Our Friends the Credit Bureaus
In truth, we respect the credit bureaus. They do not do a terrible job. Yes, there are errors. And sadly, errors are most common on the reports of people that have had some genuine derogatory events in their past. But things are what they are, and there are a variety of very effective tools available to correct the mistakes that occur. If you have issues on your credit report, go ahead and sign up for our services today. We will be happy to work with the system to get your credit report back in shape.