The initial dispute process is not always successful in removing bad credit history from the credit report and the credit bureau file. We have found specifics steps that can be taken to both minimize the chance of failure and in the case of verification, continue efforts to remove the bad credit from the credit report.
The initial dispute process involves identifying the specific item and specific aspect of the item that is in dispute. The typical "That's not mine" dispute produces varied results and oftentimes is met with a "frivolous dispute" notice. To avoid frivolous and ineffective disputes a careful examination of the specific bad credit item should be made and the dispute formulated to be accurate. It is recommended you use the dispute chart contained in Credit Bureau Templates to determine how to frame the dispute.
After the initial dispute, three things can result:
- No response;
- Response that the item has been verified;
- Response that the item has been deleted or modified.
No Response
If no response is received from the credit bureau within 30 days, the consumer will have to send the second dispute (see ) to the credit bureau letter reaffirming the initial dispute along with a copy of the initial dispute.
If no response is received from the second dispute letter, a third letter must be sent. This third letter demands the immediate removal of the bed credit item and advises the credit bureau of their rights and duties under the Fair Credit Reporting Act. It is recommended this letter be sent also to the legal department of the credit bureau and the appropriate regulatory authority.
Response That The Item Has Been Verified
If the item is verified a consumer can request that the matter be re-investigated and demand copies of documents the credit bureau relied upon to deem the matter verified. This includes statements, original contracts, payment history and others depending on the nature of the original dispute.
If no response to the demand for re-investigation is received within the 30-day period, the consumer can use the similar follow-up letters used for "No Response", but that detail, with copies attached, the ordeal the consumer has suffered and demand the item be removed.
This outlines the post dispute process. For greater detail please and the letters mentioned, refer to the Credit Bureau Templates.
