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I have been reading a lot about credit repair methods and have decided to dispute some of the items on my account that may or may not be erroneous. I have read a lot about mailing a certified letter to one of the three bureaus and at that point they get 30 days to respond. However, I have also seen on the bureaus’ websites that I can dispute items online. Does this follow the same 30 day policy? Does either way provide more or less of a chance for a successful removal? Your input is appreciated!

8 Thoughts on Should I dispute a derogatory acct. using the credit bureau’s online dispute method?
  1. Reply
    June 23, 2011 at 4:39 pm

    yes but any legit item will remain or will re post again

  2. Reply
    Rate Hound
    June 23, 2011 at 4:48 pm

    When you dispute an item on your credit report, the credit agency will forward the dispute to the reporting lender and ask for verification. It is the lender that has thirty days to respond. If they don’t respond, then the agency is supposed to remove the item from your credit report.

    But, although you can dispute anything, only non-factual items will be removed. In the last five to six years, the credit agencies have been cracking down on the practice of disputing non-erroneous data in hopes that it will be removed. The FACT Act prohibits any reseller from having any relationship whatsoever with credit repair companies because of this practice.

  3. Reply
    Dixie Darlin'
    June 23, 2011 at 4:53 pm

    If you use the online dispute method, then the credit bureaus are allowed 30-45 days.

    Either by mail or online, it is the same. If the creditor verifies the mark, it will remain. Also you should know that if you did get a accurate account/mark removed, it will just be added back once the error is discovered. You can not delete accurate information.

  4. Reply
    June 23, 2011 at 5:53 pm

    You have nothing to back up what you’ve written.

    Slow mail is best to dispute, showing receipts, dates of calls, name of person contacted, make copies, date when mailed. etc. . . .

  5. Reply
    June 23, 2011 at 6:25 pm

    The ONLY item to dispute is one that you know to be, in fact, not yours.

    Other scenarios need other action.

  6. Reply
    June 23, 2011 at 7:12 pm

    Absolutely, 1000% do it via certified, return receipt mail. This is the only way you have proof of your dispute and the day it was recieved. It is also best to not do it using a credit report from the annualcreditreport site. These allow them 45 days to complete the investigation. You don’t want this.

    If you do it via mail and the item is deleted and then (after the 30 days) the item is put back on, you simply have to just send your proof that they had the dispute longer than 30 days and they will put it back on. You can’t ‘prove’ anything via online or a phone call.. not in the way they consider it proof.

    Stick with mail only. If you go to, there is a post about the credit dispute process. It talks about the entire process and best way to do it. I’m not sure of the exact name of the post but it should be pretty recent.

  7. Reply
    June 23, 2011 at 8:06 pm

    You can use the online dispute for any legitimate error. There really is no need to send an initial dispute to the credit bureaus by certified mail. No matter how the credit bureau receives the dispute, they ask the creditor to verify within 30 days.

    However, if you plan to use the ole “dispute everything and hope it falls thru the crack” method of credit repair, stop. Even if a legitimate item is removed it is likely to show back up when the creditor next updates or the next collection agency gets the debt. Making repeated false disputes will get you tagged by the credit bureaus and you will have trouble getting real errors removed in the future.

  8. Reply
    June 23, 2011 at 9:04 pm

    Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service –

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