Credit Lesson #7, Secrets For Resubmitting Disputes
Tips For Resubmitting A Credit Dispute
- Be persistent! Become more insistent, but not more threatening, with each dispute. As you submit one dispute after another, it may become increasingly difficult to get the checker to initiate an investigation. Your first one or two disputes should be friendly and polite. Just like any other consumer, you can become frustrated and threatening as time passes. You may threaten to hire an attorney, you may threaten to complain to the FTC and your state’s attorney general, etc. But don’t overdo it.
- Be creative – Create and utilize other techniques that help further the idea that the dispute letter is from a truly wronged and disadvantaged consumer. The checker is only interested in investigating disputes that truly are erroneous and damaging. Again, because the agencies are flooded with requests, they tend to give priority to those that seem most urgent.
- Do not bombard the credit bureaus with disputes (about the same listings, that is). Sending one dispute right after another is wasteful and counterproductive. You may wind up alienating the credit agency so that they hold up your progress. (Remember, they cannot legally stop you from restoring accurate information but the people who run the agencies, like anyone else, probably do not respond well to harassment.) Also remember, that credit repair is a time-consuming operation requiring great patience. The rule of thumb is to wait 60 days between disputes of the same listing.
Alfredo, Have you checked out the Credit Repair Bible yet? I highly recommend my clients take a look at it because it is an awesome resource that reinforces all that I do for them… It is packed with a ton of “credit repair secrets”, especially tips and tricks that I often use… As well as a easy-to-follow planning guide.
-Dave
3118 Sweetwater Spgs Bl, Spring Valley, CA 91977, USA
