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If you have any problems with the registration process or your account login, please contact us. | Advanced Credit Repair - Dealing with Collection Agencies Discuss How specific in the CREDIT AND LEGAL ISSUES forums; does a CRA have to be when you dspute information?
What I mean is "Do they have to be verbatim?"... 
01-13-2008, 06:20 PM
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#1 | | Administrator
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| How specific
does a CRA have to be when you dspute information?
What I mean is "Do they have to be verbatim?"
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Last edited by roybean; 01-13-2008 at 06:23 PM..
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01-13-2008, 07:19 PM
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#2 | | If You Do Not Like It, Kiss My...
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| I don't understand your question...
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01-13-2008, 07:36 PM
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#3 | | Administrator
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| When you dispute information on your credit file and the CRA relays the info back to the furnisher...how specific do they have to be?
For instance you write and say the CA is wrong about the amount and the date of the trade line? Does the CRA have to relay the dispute verbatim? I know some things have a general description that CRAs use, but what about when you give detailed disputes?
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01-13-2008, 07:38 PM
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#4 | | HONORED GUEST
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| They reduce everything to a two digit code and convey it to the furnisher via EOscar. You can write a manifesto and it is still digested and put forth as not mine, balance wrong, fraud, etc. Although, Johnson v. MBNA stated that inaccuracies must be pinpointed, it doesn't work that way with respect to the cra's for the most part.
This is why it's advantageous to alert the furnisher as well.
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01-13-2008, 07:58 PM
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#5 | | Administrator
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Originally Posted by apexcrsrvc  They reduce everything to a two digit code and convey it to the furnisher via EOscar. You can write a manifesto and it is still digested and put forth as not mine, balance wrong, fraud, etc. Although, Johnson v. MBNA stated that inaccuracies must be pinpointed, it doesn't work that way with respect to the cra's for the most part.
This is why it's advantageous to alert the furnisher as well. | Yes, I did both (alerted the furnisher as well as the CRA), and yes I know that they have codes for almost every criteria, but I think there is a way for them to get specific if need be. Matter of fact, I know there is; I am just doing some more homework and wanted other opinions.
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01-14-2008, 12:09 PM
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#6 | | HONORED GUEST
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| They get specific if you're a special handling type of character or sue them. Check out Len Bennett's report to congress and that will give you an idea.
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01-14-2008, 03:58 PM
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Originally Posted by roybean Yes, I did both (alerted the furnisher as well as the CRA), and yes I know that they have codes for almost every criteria, but I think there is a way for them to get specific if need be. Matter of fact, I know there is; I am just doing some more homework and wanted other opinions. | Well if you know there is a way then my opinion is that I agree with you.
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01-14-2008, 07:53 PM
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#8 | | Administrator
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Originally Posted by drivel Well if you know there is a way then my opinion is that I agree with you. | Good ole Drivel!
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01-14-2008, 09:13 PM
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#9 | | New Member
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Originally Posted by roybean Yes, I did both (alerted the furnisher as well as the CRA), and yes I know that they have codes for almost every criteria, but I think there is a way for them to get specific if need be. Matter of fact, I know there is; I am just doing some more homework and wanted other opinions. | Hi all! (I've been away from credit repair for 1 year)
I once was trying to get a finer grain of detail on a TL and the EXP CSR picked up the damn phone and called Discover who I did not want to "awaken". So yeah they have a definate alternative to the two digit code system.
Last edited by foolsmission; 01-14-2008 at 09:20 PM..
Reason: Clairify
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01-14-2008, 09:22 PM
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#10 | | Administrator
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Originally Posted by foolsmission Hi all! (I've been away from credit repair for 1 year)
I once was trying to get a finer grain of detail on a TL and the EXP CSR picked up the damn phone and called Discover who I did not want to "awaken". So yeah they have a definate alternative to the two digit code system. | Hey you!
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01-14-2008, 09:47 PM
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| Welcome back, foolsmission!! Hope you stick around for a while.
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