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01-13-2008, 05:20 PM
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#1 (permalink)
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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 05:23 PM.
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01-13-2008, 06:19 PM
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#2 (permalink)
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If You Do Not Like It, Kiss My...
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I don't understand your question...
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How come "phonetically" is spelt with a "ph"?
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01-13-2008, 06:36 PM
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#3 (permalink)
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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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"Be surprised at what people won't do and not at what they do."
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01-13-2008, 06:38 PM
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#4 (permalink)
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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, 06:58 PM
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#5 (permalink)
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Quote:
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.
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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, 11:09 AM
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#6 (permalink)
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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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No part of the post above or anything posted by us herein is to be considered legal advice. If you seek legal advice, contact a licensed attorney within your jurisdiction. No part of our website link, including clicking upon it, constitutes an offer of any kind or an advertisement to seek an agreement of any kind. Its placement here is for informational purposes exclusively.
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01-14-2008, 02:58 PM
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#7 (permalink)
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Quote:
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.
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Well if you know there is a way then my opinion is that I agree with you. |
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01-14-2008, 06:53 PM
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#8 (permalink)
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Quote:
Originally Posted by drivel
Well if you know there is a way then my opinion is that I agree with you.
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Good ole Drivel!
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"Be surprised at what people won't do and not at what they do."
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01-14-2008, 08:13 PM
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#9 (permalink)
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New Member
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Quote:
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.
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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 08:20 PM.
Reason: Clairify
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01-14-2008, 08:22 PM
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#10 (permalink)
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Quote:
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.
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Hey you!
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"Be surprised at what people won't do and not at what they do."
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01-14-2008, 08:47 PM
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#11 (permalink)
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Welcome back, foolsmission!! Hope you stick around for a while.
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The answer is 42!!
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