Quote:
Originally Posted by HBJohnson  Absolutely. Make sure when you dispute negative items never give excuses, it is simply, not mine for items and never late for late payments. Quick and simple. |
I would never use the words "not mine" in a dispute. You don't have to give any information like that at all.
If you say "not mine" and it comes back verified, what will you be able to dispute it as later? You've already said it's not yours. You can't later dispute other aspects of the account. "Not mine" is a big no-no.