Submitting your disputes online is convenient for the credit
bureaus, but online disputes are a horrible idea if you want to maximize y chances of a successful
When you submit a dispute online, it goes into an expedited
dispute resolution process, which is better known as “EDRP”. This may sound
great, but the Fair Credit Reporting Act states that if a dispute is submitted
online, the credit bureaus don’t have to comply with certain sections of the
law. Typically, when an item comes back as “Verified,” you can request the
“method of verification,” but if the account is disputed online, the credit
bureau can ignore this part of the law. If you are looking for the best
possible result, avoid disputing online.
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