We’re all about helping you remove negative reports on your credit score, so I wanted to let you know about an important distinction between disputes and challenges.
A dispute is an argument of the fact of truth, the fact of correctness, or the fact of its completeness.
Now, when you dispute, what you’re doing is assuming that an item on your credit report is inaccurate, incomplete, untrue, untimely, not yours, not your responsibility, or not compliant.
When you challenge, on the other hand, you’re asking for certification of truth. So when you challenge, you’re not claiming that a negative item is inaccurate.
You’re not claiming it’s incomplete, untrue, untimely, not yours, not your responsibility, or that it’s not compliant.
When we challenge, what we’re doing is we’re asking if the fact that the bureaus have are certified based on what the Metro 2 definition says and what the E-Oscar says.
Knowing the difference between the two will be a great help as you clean and establish your credit.