If i dispute my credit rating is it true that while my dispute is being processed my credit ratting is cleared

i have been told that this can happen in nz.say if there is somthing in your credit history that isnt corect then if you were to dispute that particular thing your credit rating is cleared while they are sorting through and processing your dispute

If i dispute my credit rating is it true that while my dispute is being processed my credit ratting is cleared
I disputed something on my credit report 3 weeks ago, and I went to go look at an apt the other day and when they pulled my credit file, it was blank. I didn't say a word bc I know damn well it's not blank. I have 17 account in good standing and 2 in bad, but it seems to be true.
Reply:True but you have to have the right letter and verbage. Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters—this is the key…..people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact.
Reply:Nope that is false
Reply:No. It's not cleared. If you were to pull your credit report it would simply show up as an item in dispute.
Reply:If you have an item that really isn't correct you need to notify the credit bureau in writing with exactly what is wrong and why.





There used to be a scam where people claimed to "fix" your credit by contesting info on your report. They would flood certain offices of the credit bureau so they could not process all the problems very fast with the idea that your new credit request could slip through before your bad items were confirmed.