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     | Monday, December 27, 1999 - 07:47 pm  I have been successful in having several harmful items removed from my credit report by simply disputing them using the dispute forms accompanying your credit report. I noticed in some posts that even after the 30 days are up rule that credit grantor's can reverify the info and repost it to your report. Does this happen often?
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| | Tuesday, December 28, 1999 - 06:12 am It can and does happen. Usually because the creditor came thru with legit proof. The credit bureaus are required by law to inform you of a re-insertion. So if it happens to you, you will know. Then you have to start the process over again. btw, I dont recommend using the forms they give you. For some reason the bureaus look at these different then receiving stand alone dipute letters.
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| | Tuesday, December 28, 1999 - 08:54 am Kristi, are you in the legal profession? I'm not, but having some experience in the court system, I would highly recommend using the consumer dispute forms provided by the CRA. The only thing that makes the FCRA work, as with any law in the U.S. is the underlying consequences, a lawsuit. So everthing you do concerning the CRA's is legally binding. If you dispute an item according to their form, they cannot claim it was done improperly in court. The dispute forms they provide are scrutinized very closely by the Federal Trade Commission, to comply with all respects of the law, and one thing they don't want, is trouble from the FTC. I disputed something once, by a letter written by me, in hand, and not according to their form, and it was admissable in court, so they both work.
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| | Wednesday, December 29, 1999 - 12:02 pm Gary: I am a Debt Negotiator and credit restoration professional. I have been a collection/credit manager for 16 years and have advanced training in Bankruptcy issues,repossession laws (UCC),credit card fraud,foreclosures, dispute resolution and the art of negotiating. I train staff at Credit Unions and Banks on negotiation tactics and I assist consumers in dispute resolution. As my attorney colleage agree's, the forms are put into motion by the CRA only because they have to. They do not work well for the overall majority. In my 16 years of doing this, I used the forms the first year and never again. Written documenation is written documenation. Paper trails count,not what paper was used. The forms are made to make it easy for the CRA and their little internal codes, I choose to run it my way and not theirs and it works great. Certain strategies work better then others, and I have yet to have a strategy laid out by the bureau be the one I chose to use. Remember, the bureaus are not Pro-Consumers like they like to pretend and nothing they do is ever meant to benefit you. Their pockets are lined by creditors and that my friend does not benefit you or I. I rip those forms up as fast as I get them! btw, I have read your lawsuit with great interest! Good for you.... Kristi Feathers
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| | Thursday, December 30, 1999 - 03:23 am I agree with Kristi (and what a nice name she has!) I'd rip up those forms. Credit bureaus respond better (though definitely not exclusively) to personal handwritten or typed letters.
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| | Thursday, December 30, 1999 - 09:07 am Kristy: Thanks, I have been reading your site today with great interest. ( I found it with a link you provided here).Many of the sites I have come across who offer "credit Advice" are overloaded with banner ad's and do not offer direct answers to consumers problems. Your site, is well done! I browsed through every area that I had time for and really respected your no-nonsense answers. I can't stand it when I see those cheazy sites offering credit repair and every link tells you nothing but overloads you with ads. Our site decided from the get-go that we would answer any questions posed to us without hanging bait. Who cares if you tell them how to do it and they do it themselves! I always urge people to do it themselves, only retain when absolutely necc! I commend you on your content. Kristi Feathers Carreon & Associates
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| | Wednesday, January 05, 2000 - 03:15 pm Hey Kristi - thank you! You just made my day.
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| | Thursday, January 06, 2000 - 09:25 pm I suspect that the reasons a personally composed dispute letter would work better than the credit bureau's standard form is because: (a) It requires more time and effort by the consumer, indicating that s/he may be willing to devote significant energy (and perhaps intelligence) to continuing the dispute if s/he isn't satisfied. (b) It requires more attention from the recipient to read and comprehend the letter, rather than the simple, "assembly-line" processing of the dispute forms. These are the same reasons why the offices of Congress-members give more weight to personal, pen-and-paper letters from constituants, as compared to form letters/postcards or email messages. http://www.cardreport.com
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