Tag Archives: automatic credit disputes

e-OSCAR Automated Credit Dispute Verifications

e-OSCAR Automated Credit Dispute Verifications Wizard of Oz e-OSCAR Automated Credit Dispute Verifications (Online Solution for Complete and Accurate Reporting) is a system used by creditors and Credit Reporting Agencies as a short cut to truly fulfilling their legal responsibility to thoroughly investigate consumer’s disputes of negative credit report entries.  This system essentially makes a mockery

Primer on Disputing Credit Report Negatives

Primer on Disputing Credit Report Negatives If you have been reading my book available at http://onhomebuyingandcreditrepair.com and following my column you know that “pay for delete” is the way to go. Instant gratification…no fuss, no muss. The negative record disappears as if it never existed. Who could ask for more? But what if they won’t play

Credit Bureau Complaints Treated Like Dangerfield

Credit Bureau Complaints Treated Like Dangerfield   Hopefully your father wasn’t so stupid that he went to jail for stealing pens from a bank and you weren’t so ugly that the doctor slapped your mother when you were born, but like Rodney Dangerfield your electronic credit bureau complaints get no respect from the credit reporting

Credit Dispute Letters: Don’t Use Templates

OCR-A was a font developed to be easily recognized by early Optical Character Recognition programs, as well as humans. (Photo credit: Wikipedia) Credit Dispute Letters Need Careful Wording Deny negative credit report entries.  Make the alleged creditor verify.  Unverifiable debts must be removed within 30 days. Put the collection agency to its proof.  You have

Credit Bureau’s “Expedited Dispute Resolution” is a Trap

Credit Bureau’s “Expedited Dispute Resolution” is a Trap All 3 credit bureaus: Experian, Equifax and TransUnion have an online dispute resolution process called “Expedited Dispute Resolution” governed by Section 611 a (8). The credit bureau’s “Expedited Dispute Resolution” is a trap.  We all can be tempted by short cuts.  There is no substitute for creating