Should I make any changes to this dispute

[sharbear]

To Whom It May Concern:

I disputed the item that is listed on dispute form approximately 6 weeks ago for this information to come back as verified which is incorrect, upon investigating this item and speaking with creditor errors have been made on this account and I am entitled to reinvestigation, I will be applying for a loan in 4 weeks and need this information on credit report accurate, as this could jeorpardize my overall score and credit worthiness.

In accordance with the federal FCRA, I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately update/correct the item being disputed..

Please provide me with documentation that you received in connection with the above investigation including, but limited to, the telephone and or contact information of the furnisher (s) of information as a method of verification.

I also request that you supply a corrected copy of my file to me.

[Trish]

IMHO.......that dispute is just too wordy.

You don't want to mention that it was previously disputed/investigated. More than likely that will just work against you. Just dispute it again as never late. You can put in there that you have spoken with the mortgage company and they agreed to removed the lates as it was their error.

And I would take out the part about applying for a loan. These people (robots) do not care one bit what your situation is. Sad but true.

Just keep it short and simple.
Oh....definitely keep the part in about requesting an updated copy of your report though.

The one thing I would be doing just ensure that this gets taken care of since you are in a time crunch........is calling up the mortgage company and just explaining the situation and see if they can pleeeeeeeeeeeeeeeease change it with the CRAs for you. A late on a mortgage is one of the worst late dings (much worse than a late on a CC) and it is keeping your score down AND keeping you from getting the best interest rates on the loan you will be applying for.

I did this with my auto loan......I had 2 back to back 30 day lates (which is way worse than a 60 day late) which dropped my dh's score 100 points. So when my mortgage guy ran our reports we were shocked. I called the auto loan company (it was truly a mistake and big misunderstanding) and begged and pleaded for them to please remove the lates. I finally found someone who was nice enough to take it to a manager and review the situation (I went through a couple of people that said no - believe me I was frustrated)......I somehow managed to stay very calm and polite and it worked. The lates were removed within like a week.

So since you are kind of in a hurry.......I suggest calling them as well as disputing. That way you make sure it gets taken care of.

[sharbear]

To Whom It May Concern:

Upon pulling and evaluating my credit report I have found information being reported incorrect, attached you will find my dispute, upon speaking with creditor errors have been made and I am demanding investigation on this account.

In accordance with the federal FCRA, I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately update/correct the item being disputed.

Please provide me with documentation that you received in connection with the above investigation including, but limited to, the telephone and or contact information of the furnisher (s) of information as a method of verification.

I also request that you supply a corrected copy of my file to me.