Today I am going to help you understand what a reputation reporting division does after you submit your reputation dispute to them, and why persistence and perseverance are so foremost for your reputation fix success. Under the Fair reputation Reporting Act a reputation reporting division is required to research your dispute with the source of the information. The reputation bureau should check the whole narrative of the catalogue in query and compare it with what they reported. This would allow them to make the acceptable changes and return a corrected, correct reputation narrative to you, the consumer, within thirty days.
However, the reputation bureaus never do this. What they honestly do with your reputation dispute is shoddy and shocking. They shrink each dispute to a two digit code called a consumer dispute verification. Often this Cdv is sent to independent contractors settled in third world countries all over the globe. Just photograph such a verification process. Either you get approved for a car loan, home financing, reputation card, apartment, job or assurance now rests in the hands of an overworked, poorly paid, quota driven third world Joe using a two digit code 5,000 miles away from the traditional creditor. It's absurd, outrageous and not proof of verification by any reasonable definition.
Obdurate
Therefore when a reputation reporting division sends you observation that your disputed item has been verified and will not be changed do not accept it. Write back to the reputation bureau and insist that they furnish you with the name of the source man who verified it as well as documentation proving their claim. Never quit when faced with an obdurate, stubborn reputation bureau. Continue disputing with the reputation bureau and creditor until you receive an correct reputation report. There might be times when suing a reputation bureau and creditor is your last resort. In time to come articles I will expound how to do this inexpensively using the small claims court.
In your dealings with reputation reporting agencies it will help you to understand their mindset. reputation bureaus are not government agencies. They are for behalf corporations that view the creditor as their customer, not you, the consumer. Although required by law to do so, reputation bureaus have very dinky incentive to correct reputation reports. They get paid for a reputation narrative Either it is correct or not. Completely investigating your dispute would cost them money they are not willing to spend. Their shoddy data handling procedures keep the profits rolling in and you, the consumer, out of the loop unless you are persistent and vigorous in your dealings with them.
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