The Truth About Credit Bureau Investigations
By Joseph Feross Credit repair is difficult enough when the credit bureaus follow the Fair Credit Reporting Act guidelines to a tee. When they shortcut the rules, it can become even more frustrating. It is enlightening to take a look at how credit bureau investigations really play out most of the time. The first thing that happens is that the credit bureaus will receive your disputes. You may send a written letter, make a telephone call, or contact their dispute division by going online. No matter how you choose to begin this phase of credit repair, the credit reporting agency will put your dispute in queue to be processed. The waiting game begins. Next the dispute you have sent for your credit repair will go to one of an army of low-paid employees with little, if any, training in credit investigations. These people will look at your dispute and make…