Wait or Dispute CA & CO

[RepairCR]

We already opted-out & updated/deleted husband's personal info. We are getting ready to send out the 1st round of dispute letters. I wasn't sure if I should include a CA & CO that are ready to fall off at the beginning of next year.

On EX CR, both state "This account is scheduled to continue on record until Jan 2010".
On TU CR, CA states "Estimated date that this item will be removed 03/2010" & CO is 01/2010.
EQ doesn't show CA at all and the CO doesn't show drop-off dates, but I'm assuming it's close to the others.

I'm still new to credit repair and I don't want to mess with any of the dates and have them stay on longer than necessary. So, should I dispute or wait? No major purchases planned until maybe middle of 2010. Thanks for any suggestions.

[Trish]

Usually with disputes you only want to address 3 or 4 accts at a time.
It's really up to you. You can always try disputing them off and you might get lucky and have them drop off sooner.

I guess it's all how you want to prioritize them. It will not hurt anything to dispute them so don't worry about that..... but if you know they will be falling off soon and you'd rather dispute other things first, that's totally understandable.

*Another thought.....some people, for their first round of disputes, will do what's called a blanket dispute and just dispute EVERY negative mark on their CRs. I've seen people dispute like 12 things and have 8 of them deleted.
I've never been that lucky.

It varies with everyone..... just do what you feel comfortable with

I don't feel like I answered any of your questions.. but hopefully that helped.

[RepairCR]

Thanks, Trish. You did help because now I know that there's no risk of updating the ages of these accounts if I dispute them. Since they are going to fall off pretty soon anyway I will focus on the other negatives.

[TonyPyke]

Remember when we were kids and we did things that bugged our parents? And we even went further just to see how much we could get away with just to see how far we could go?

Well, I had a guy once that came to me for help and he had nearly 30 delinquicies and he disputed every single one in the first round of disputes. Every last one of them came back verified. Sounds fishy doesn't it?

Well he thought so too, so....he sent them all again for a 2nd time. The CRAs response was: already verified. Now he's upset.

Long story short..what the CRAs pretty much did was say "Man this guy is sending us a bunch of bogus disputes and we aren't wasting our time with him. He just wants to see how much he can get away with."

This is totally non-compliant with FCRA regulations but they treated him as if he would be ignorant enough to accept their response. I'm glad he didn't.

When I dispute items, I just stick to 3 at a time. That's just me.