2 Reasons to Avoid Online Credit Report Disputes | Credit Sweep Tips

Today we're talking about 2 reasons to avoid online credit report disputes (online disputes) and what to do instead to permanently remove the negative accounts on a credit report. You can learn more at https://vault.my740.com OR schedule a call for a credit sweep at https://my740.com. 🔮 SUBSCRIBE TO MY CHANNEL 🔮 https://www.youtube.com/c/ExpertCreditSweeps?sub_confirmation=1 ✨ Check out all 3 credit reports and scores with the same credit monitoring I show in my videos and use for my clients with IdentityIQ: ✨ https://member.identityiq.com/help-you-to-save-money.aspx?offercode=431134PT 🧙‍♀️ GET HELP WITH YOUR CREDIT JOURNEY DIY awesome free tools, tutorials and downloads - https://vault.my740.com 🦸‍♀️ DFY credit sweep service free consultation 🦸‍♀️ https://my740.com Let's jump on a call and see if I can help! One of the worst things that you can do is dispute your negative items on your credit report online. And I'm going to give you two different reasons today, or right now, why you should not do this. All right. So here's the deal. We have two simple reasons for not disputing online. Number one, there's no paper trail. How can you prove the date you disputed what was said when it was received, et cetera, credit reporting agencies are obligated by law to remove any information that can not be verified within 30 days. Right? Obviously know that, okay, if you don't have the proof of the date, when you sent the dispute cannot use this law in your favor. And with online disputes, there's no paper trail, and you can not receive an email confirmation or any other notice of dispute request. Your dispute may get quote unquote lost in the system, and you definitely don't want that. Right? And although the CRA's try to follow through with the online dispute, you can fall through the cracks and sometimes creditors can refuse to verify the requested information, even though they're obligated to do so. Okay. If that happens, the disputed info should be removed from your credit report. Number two, the information isn't handled the same way. This is the most important part of this. Okay. The FCRA was developed to protect the consumer from unfair credit reporting practices. And when you dispute online, you're basically letting them know that you're okay with being violated. All right. It was revised include online disputes under section 611(a)8. In this section, it says that the agency may disregard other paragraphs. If the information is deleted within three days of the notice of dispute, right? So these can be disregarded. So one of these was actually changed. So I'm going to let you know which one, the credit reporting agency doesn't have to forward the dispute. Other information to the creditor that has since been changed. Okay. So now they do have to the credit reporting agency, doesn't have to send you written results from the investigation of the dispute and the credit reporting agency. Doesn't have to show you the method of verification and there's a bunch of other stuff on here. Okay? So I do have more information about that. We'll go into part two at a different time, but you need to know this information to remove negative items correctly. And in addition, the type of this deletion in the situation may be softer, temporary deletion, which can then be reinserted when the credit reports the next time. So anyways, my point behind this is do not dispute online. All right. It may seem like a convenience of anything where it seems like the bureau of they're doing you. The favor is always going to be in their, basically their favor, right? So this is something that you just don't want to do. You don't want to deal with online dispute, and you didn't know that you weren't supposed to do with online disputes, or you just don't know how to get the best results and remove negative items from your credit report. Then head over to my seven forty.com schedule a call.