Hierarchy

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blatant inaccuracies

Notice of dispute

tactics

Joe the Plummer

Nervous Nellie

Violation Bingo

Indirect dispute techniques

VOD

balance

past due

notice of dispute

method of verification

things that don't belong

complaints

last resort

MOV

what have they done to actually verify the account?

where's the proof they're "using" to make this determination?

failure to correct/remove

if they didn't verify or correct it, they need to remove it

monthly payments on closed accounts

DOLA

date of last activity

• see identityiq credit reports
• this is the date that your accounts are naturally going to fall off your credit report after the statute of limitations has expired

violation bingo

lawsuits

Hierarchy

blatant inaccuracies or violations

example would be:

experian reports $x but Equifax reports $x and TransUnion reports $x. These are completely different numbers and the account must be removed!

Expeiran reports late for 3/2017 but Equifax reports on time. Please remove alleged late payment and update to paid as agreed immediately

balance or past due

past due is like the balance:

I'm not sure why you're reporting a past due of $500 but my statements reflect a different amount. Please remove immediately

"things that don't belong"

monthly payments on closed accounts

late payments on collections

late payments after close-date

missing information

missing information would be something such as the required notice of dispute is missing pursuant to section 623

"last resort"

this would be like the open date or failure to report the terms

violations