Through the E-Oscar system created and utilized by the credit bureaus, dispute letters are basically processed by the machine, according to the OCR machine’s interpretations, and then squeezed into a two character code. Furthermore, only one dispute can be entered at a time for each reporting item. So what this means is that if you have multiple disputes about a particular credit item (for example, the dates the account was opened or the last date of activity on it, the actual balance on that account, late payments if any, or even the reporting credit limit, and so forth), only one of your disputes may actually be processed - usually the first one listed. So this also translates to the fact that you’ve wasted valuable time and energy on your letter, thus some of your information reported in the credit report may not get disputed.

And because the credit bureaus’ response time is restricted only to 30-45 days (depending on how the consumer retrieved their credit reports), they really needed a speedy route to react to these consumers’ disputes. As a result, they created 2 computerized methods to carry out this mission.

he OCR software will instantly determine if it could be further processed through e-Oscar to the company reporting the incorrect data or classified as senseless and basically put into the waste basket. If the OCR machine establishes that the dispute letter is unique enough to be processed, the next automated machine kicks in - e-OSCAR - but if not, you’ve just wasted your time and energy.

Your personal credit score is so important that we must take a stand against our disputes being electronically processed in error. And therefore, your main goal in credit repair is to devise a plan to get around the computerized system so that your letters ultimately fall into the hands of a credit bureau staff member.

The weighting system is used to determine credit scores. We shall not dwell much on the system because it is a scientific method that can only be understood by mathematicians. However, erratic payments are the main factor used in arriving at a credit score. If you have a history of erratic payments, you must improve your payment behavior.

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