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Through the E-Oscar system created and utilized by the credit bureaus, dispute letters are basically processed by the machine, according to the OCR machine’s interpretations, and then squeezed into a two character code. Furthermore, only one dispute can be entered at a time for each reporting item. So what this means is that if you have multiple disputes about a particular credit item (for example, the dates the account was opened or the last date of activity on it, the actual balance on that account, late payments if any, or even the reporting credit limit, and so forth), only one of your disputes may actually be processed – usually the first one listed. So this also translates to the fact that you’ve wasted valuable time and energy on your letter, thus some of your information reported in the credit report may not get disputed.

And because the credit bureaus’ response time is restricted only to 30-45 days (depending on how the consumer retrieved their credit reports), they really needed a speedy route to react to these consumers’ disputes. As a result, they created 2 computerized methods to carry out this mission.

Here’s a rather disturbing fact about this that will really blow your mind – were you aware that e-Oscar has a feature called “reply all” which actually allows the data furnish-er to respond to a collection of disputed files all at once as “Verified” without ever really completing a “reasonable” investigation as required by law – instead just hitting “reply all” to verify 20, 50, or even 100’s of disputes, sent to them in a batch file from the credit bureaus’ e-Oscar system, without ever even looking at them?! Is that not insane or what! What’s even more disturbing is that this is perfectly legal so that being said, it’s just that much more important that you do all you can to ensure your credit reports – all three – are accurate and thus, so are your credit scores.

Your personal credit score is so important that we must take a stand against our disputes being electronically processed in error. And therefore, your main goal in credit repair is to devise a plan to get around the computerized system so that your letters ultimately fall into the hands of a credit bureau staff member.

We have to assert that it should be real human beings who should be processing the information about our financial records and disputes because unfortunately, these super machines are just that – machines, and they don’t always grasp the complete concept of our what our disputes letters are about. Most would agree that it’s totally cruel to consumers when credit agencies do not follow through on their obligations to hard working, good citizens like yourself as commanded by law.

SBFC law group SBFC law group

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