Submitting your disputes online is convenient for the credit bureaus, but online disputes are a horrible idea if you want to maximize y chances of a successful dispute.
When you submit a dispute online, it goes into an expedited dispute resolution process, which is better known as “EDRP”. This may sound great, but the Fair Credit Reporting Act states that if a dispute is submitted online, the credit bureaus don’t have to comply with certain sections of the law. Typically, when an item comes back as “Verified,” you can request the “method of verification,” but if the account is disputed online, the credit bureau can ignore this part of the law. If you are looking for the best possible result, avoid disputing online.