Why Not Dispute Online

Never Dispute Online

Disputing online sounds fast and efficient right? Wrong! Disputing online was created to make the credit bureaus jobs easier not yours. There is little regard to consumer interests when disputes are generated online. When fixing or improving your credit, it is not about making the job easier for credit reporting agencies but for them to actually do their job!

Don't dispute online because:

Time - The credit reporting agencies do not have to process an online request. The online dispute gets tracked automatically and a request to verifY is automatically forwarded to the data furnisher through E-Oscar. The restrictive 30 day clock is accomplished easier if everything is automated.

Paper Trail - With online disputes there is no paper trail to evidence the details of the dispute.

Limited Dispute Reasons - With the limitation of dispute reasons, an accurate description of the dispute is difficult in most cases.

"Expeditious Dispute Resolution"- The Fair Credit Reporting Act, FCRA, section 611a(8) changes the standard requirements and protections afforded to the consumer by the FCRA. Feel free to look up this section of the rule but in essence, the credit bureaus are allowed to cut corners when doing their investigation into you case. They also are not responsible to provide their methods of confirming negative information on a credit report.

To conclude, always send in any dispute having to do with derogatory information via the USPS and send it certified. Make the credit bureaus supply you with the proper verifications in writing that if need be you can dispute at a later date. Have a game plan around what to do next if you do not get the favorable response you require. Remember you do have rights as a consumer to challenge any information on your credit report that you feel is not accurate.