Traditional Disputes by Mail
Traditionally, consumers would make their credit reporting disputes by mail, on paper. Before the rise of the internet, this was the only real option. And the first round of online tools were not as flexible as paper disputes. Specifically, the credit bureaus initially made not provisions for submitting support documents and had only limited processes for tracking disputes. At the same time, consumers who wanted to dispute by mail, could retain photo copies of their disputes and send them by certified mail to be sure they arrived at the credit bureaus. With new online tools available, many consumers ask whether they can and should dispute online.
Other Ways to Dispute
In addition to receiving disputes by mail, the credit bureaus allow consumers to make disputes both electronically over the web and by telephone. The communication media that you use to submit your dispute is important for several reasons. First and foremost, most consumers have better things to do than draft multiple disputes to credit bureaus. So above all, consumers want their disputes to be effective in resolving any errors in their credit reports.
Second, because disputes reflect the consumer's belief that the credit bureaus have made a mistake, there is always the likelihood that the bureaus will not correct the error and a lawsuit will be necessary. As such, the dispute itself is likely to become evidence in a lawsuit. That means that the consumer will need to have that evidence available to give to their attorney and present to a court.
Third, while the thought of just picking up a phone or sending an online dispute sounds easier and faster that than drafting a letter with attached documents, this is not always the case. Many consumers have found telephone disputes to be frustrating because of long hold times, the inability to speak to the same representatives who they initiated their dispute with, and confusing interactive voice mail systems. The barriers can defeat the purpose of any savings of time and energy that would be gained by not having to write a letter. Similarly, the credit bureaus have put up substantial security barriers for online disputes. Specifically, they ask consumers to verify information from their credit report to gain online access. But, when the information used to verify the consumer's identity is the same information that is in dispute, consumers can find they are locked out of the system and cannot tender their disputes.
So, before you try making your dispute by phone or over the web, consumers should consider those issues to decide whether they can satisfy these goals with an online or telephone dispute.
Other Complications of Online Disputes
One of the primary problems with disputing online, is that the credit bureaus only provided limited access to your dispute materials. Most of the credit bureaus will only allow consumers to access and view their disputes and responses for a limited time, and after that time expires, the consumer cannot access that information on their own. This makes it very difficult to ask an attorney to review your specific situation. These same limitations also apply to your requests for credit file disclosures. So, if you are expecting that the documents in your account with a major credit bureau will be accessible long after your dispute, think again and read the terms of service. Chances are, you will not be able to access these documents indefinitely, even if those documents are still available to the credit bureaus.
In addition to the barriers put in place by the credit bureaus, many of the credit reporting agencies require consumers to navigate through a number of pop-up boxes before being able to access their credit file. These pop-up boxes often contain waivers of the consumer's rights, including your right to sue in a court with a jury.
These popup boxes may not provide an opportunity to meaningfully review the agreements or allow consumers to keep copies of any waivers. Because consumers cannot proceed with an electronic dispute without agreeing to these waivers, consumers should think twice about beginning this process.
Additionally, because consumers must dispute through a web interface, there is no guarantee that you will get a copy of the disputes or an acknowledgment of the supporting documentation that you have provided. As such, in the event of a law suit, you may not have all the information you need to bring that case to court.
Benefits of Mail
While the credit bureaus offer online and telephone access to the dispute process, most often mail is a better means of disputing. With paper disputes, consumers can retain an exact copy of what they sent and have proof that their dispute got to the place where it was sent, all without waiving rights. Even though electronic disputes promise quicker and more convenient error correction, the benefits of these disputes are not always worth the cost.
Help with Your Dispute
If you would like help with your credit report dispute, you can call our office at (888) 400-CREDIT or simply send us an email through this site. If you prefer, you can visit our resource page for credit report request letters and sample disputes
What A Michigan Credit Report Attorney Can Do For You
From challenging the disputed items to seeking damages for your losses, we work with consumers throughout the dispute and process and litigation get consumers the remedy they need. We offer free initial consultations, and won't charge a fee unless we get money for you. There is no fee to help with a dispute unless we file a suit and recovery for you.
Our law firm sues the companies that refuse to correct credit reporting errors. In most cases we get our client's reports correct along with compensation for harm to their credit, damage to their reputation, and the frustration caused by false reporting.
Follow Up and Monitoring
Our staff is here to help you review and understand your credit report. Even if you don't have a case yet, we can schedule a free credit review with you. If we file a case for you, we will help you to regularly check and monitor your credit report, with free annual review of your credit reports to insure that you stay free of credit report errors.
How Much Are Your Fees?
If you win your credit reporting lawsuit, the other side must pay your attorneys' fees. This means that the credit bureaus and financial institutions that damaged your credit report must pay your lawyer to help fix the problem. Lyngklip & Associates, only charges consumers if we are able to recover for them, and our fees are paid for out of the recovery. Consumers never pay up front fees and there is no charge for your initial consultation. Call (888) 400-CREDIT | (888) 400-2733. today review your case or contact us through this site for a call back.