When the Fair Credit Reporting Act was amended, they put in a section for "Expedited Dispute Resolution" Section 611a(8) the on-line dispute system. It reads as follows….
"…. the agency shall not be required to comply with paragraphs 2, 6, and 7 with respect to that dispute if they delete the tradeline within 3 days."
The Credit Reporting Agency can delete a disputed trade line for 30 days, then, the trade line can appear when the furnisher (creditor or collector) reports it again in the next cycle. That is because the CRA is not required to tell the furnisher you disputed it thanks to section 2 being omitted.
Further more , you lose your rights to request "Method of Verification" so you lose this powerful tool in the dispute process thanks to Paragraph 7 being omitted.
Never dispute errors on line if you want them permanently removed. if you are going to dispute items on your credit report, do it in writing, and do it by certified mail with a signed receipt.
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