I am little confused for the reason why people write to the creditors on their CRA file after BR.
I received my Equifax file and it states on the front page, 'What should I do if there is incorrect or misleading information?'. Followed by 'Ask us to investigate information you believe is incorrect using a NOTICE of DISPUTE' and/or 'Add a NOTICE of CORRECTION'.
But after a BRO is issued all default accounts that that fall under it should be marked as 'satisfied in some way' as per IC ruling. The CRAs know this. If the CRA does not do this it is holding inaccurate information and they know it.
Is it not worthwhile just filing NOTICEs of DISPUTE for all account that fall under this and let the CRA sort it out ? The CRA are responsible for maintaining accurate information (1988 data protection) - so let them sort it out.
I FOUND THIS ON EQUIFAX's WEBSITE
Notice of Dispute
If you think there is incorrect information on your credit report, contact the supplier directly or complete an online Notice of Dispute. Once we have received your Notice of Dispute, we will contact the supplier of the information on your behalf. If the supplier agrees that the information is incorrect, we will amend or delete it from your credit report. While your dispute is under investigation, it will be noted on your credit report. Equifax has up to 28 days to complete this process.
NOTE THE sentence: 'Once we have received your Notice of Dispute, we will contact the supplier of the information on your behalf.'
Your views would be greatly appreciated.