DIY e-Oscar Codes

Want to write your own dispute letters? You'll need the "secret" ingredient to it. It's so secret, most competitors don't even know it. As a public service, we've listed them here.

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DIY codes to outwit our overpriced competitors &

e-Oscar... sort of

There are people we cant help, for various reasons. We don't like saying "no" but have to when the situation calls for it. Just because we can't do it, doesn't mean you can't, but if you are going to do it, do it right. Now when we started we did the whole letter thing, and I don't discount them flat out. I just don't think people should be paid godawful amounts of money to write letters and mail them out. I mean if someone is going to charge you for a letter, there are some things one should know first. The big thing is that some people will think they can't write a pro letter, and the first truth to letter writing is this: It doesn't matter what you say, so long as you know how the system works.

One does not have to be a poet laureate, lauded copiously and wreathed with laurels (it means nothing here). You don't need to be an English major either, in fact, you don't need to even know how to spell, use grammar, punctuation or language. You don't need legal speak. you don't need a fancy computer and you don't need Twizzlers... but then, maybe yes on the Twizzlers.

The truth is, you can probably write a better dispute letter than any competitor anyway, I have visited these competitors and its a miracle they can spell at all.


Anyway, the way disputes letters work is by keywords. It doesn't matter what you put into them, no one is going to read it anyway. You can waste your breath telling them about the illness that sprung up, how you got laid off and had to do what you had to do to survive, to feed the family, to keep the roof over your collective heads. No one will read it. You can say you fell behind because you hit every casino in Vegas, maxed your cards out on legal hookers and illegal drugs on a bender that ended in rehab and they still won't read it.  well, why not??! No one reads it because it would be a physical and logistical impossibility to do so. It doesn't work this way. A computer scans a letter and digests it into keywords. It doesn't give two shits if you got laid off or sick, or starved. It only cares about keywords.


I'll let that sink in while I light this cigar... Ok, I'm back. Listen up here because this is important. keywords drive society nowadays and the CRO's are all about them. Who in the hell is going to spend the money to hire the manpower to read letters anyway? Millions of them per month! I personally answer about 300 emails a month and by the end of it, I just want to take a cruise down to Jamaica. Imagine answering 1 million letters by hand. Fuck that.


Letters are scanned into a system which CRA's use, called e-Oscar. And e-Oscar picks out keywords and other languages. If you cuss gratuitously. it gets booted. If you don't come to a point it can reference and catalog, it is booted as vague or non-specific. If it has the right keywords it gets processed and zipped over to whoever they are intended for.

Now, collection agencies and collection departments also use e-Oscar or other related Metro 2 software suites. (You can't get them, pal, so stop dreaming. This is only for CRA's and for Collection Agencies). They don't read the letters, they only receive the codes or keywords attached to the dispute and thus begins the journey of the 30 to 45 days.


Codes, ok?! Only codes. Since we don't use this method, we figure that divulging it here will do two things simultaneously. 1st: Help all consumers and DIY visitors out big time in creating a better letter, grasping the system better and understanding why refusals come in and 2nd: Sink our competitors into the sea faster than the Titanic's navigator could say "Holy shit, Iceberg!!"


We figured its the least we could do to answer all the threats and hate mail and bullshit crank calls and begin to put competitors out to pasture, once and for all. Our competitors love us (not true) and we love them right back (really not true). So without further ado, here we have the greatest "secret" known to man (and woman), the one every competitor letter writer tells you you'd need to pay for (but you get here for free), the one, the only, the e-Oscar dispute codes.


What our customers are saying

big love in the 305 for my crew at A Clean Slate Credit. They helped me out and didn't ask for the big bucks. Miami can be a shady place, here the light blinds. Recommend this crazy group to anyone that don't want to pay the big bucks.

Alex Ray Young, Miami, Fl. - Client since 2018

What the foca?!

For those of you who don't speak Spanish, a foca is a seal. It just sounds very familiar to a, well, you know. anyway, this little push makes a nice statement without going overboard. I mean we go overboard anyway, but this was a nice touch.

The Codes:

The black text is the code e-Oscar reads the dispute statement as. We have color identified them here for convenience.

BK ADJ PLN – Debit included in or completed through Bankruptcy Chapter 13

Dispute Statement: This account was renegotiated and satisfied. Please investigate and change to a positive rating.

BK LIQ REQ ‑ Debit included in or discharged thru Bankruptcy Chapter 7 or 11.

Dispute Statement: This account was satisfied and discharged. This account was not included in my bankruptcy. Please investigate and change to a positive rating.

CHARGE-OFF – Unpaid balance reported as a loss by credit grantor.

Dispute Statement: This account was paid and satisfied as agreed. This account was never charged off as listed. Please investigate and change to a positive rating.

CLOS INAC – Closed inactive account. [Contact creditor and try to re‑establish closed account. Or, if a negative entry use this dispute:]

Dispute Statement: This account was in good standing prior to being closed. Please investigate and change to a positive rating.

CLOS NP AA – Credit line closed/not paying as agreed.

Dispute Statement: This account was renegotiated, paid and satisfied. The account was never late or delinquent. Please investigate and remove from my profile or change to positive rating.

COLL ACCT – Account seriously past due/account assigned to attorney, collection agency or credit grantor’s internal collection department.

Dispute Statement: This account was paid and satisfied as agreed. This account never went into collections. Please investigate and remove from my profile.

CO NOW PAY – Now paying, was a charge off.

Dispute Statement: This account was not a charge-off, it has been and still is in good standing with the company. Please investigate and remove from my profile or change to a positive rating.

CR CD LOST – Credit card lost or stolen. [Contact lender and see if account is still open. If it is, have the company issue a new card. If the account is listed with a negative rating, use this dispute:]

Dispute Statement: This account is open and in good standing. Change to a positive rating.

CR LN RNST – Account now available for use and is in good standing. Was a closed account. [No dispute needed unless entry is rated as negative. If it is, use this dispute:]

Dispute Statement: This should be listed as a positive rating. Please investigate and change to a positive rating.

CURR ACCT – This is either an open or closed account in good standing. Was a closed account, it should be available for use and there may be a balance due. If account is closed, there was no past due amounts reported and it was paid. [No dispute needed unless entry is rated as negative. If it is, use this dispute:]

Dispute Statement: This should be listed as a positive rating. Please investigate and change to a positive rating.

CUR WAS COL – Current account was a collection account.

Dispute Statement: This account is in good standing as agreed with the company. This account never went into collections as listed. Please investigate and remove from my profile or change to a positive rating.

CURR WAS DL – Current account was past due.

Dispute Statement: This account is in good standing as agreed with the company. This account was never delinquent as listed. Please investigate and remove from my profile and change to a positive rating.

CURR WAS 30 ‑ Current account was 30 days past due.

Dispute Statement: This account was never late as listed. Please investigate and change to positive to positive rating.

CURR WAS 30‑2 – Current account was 30 days past due twice.

Dispute Statement: This account was never late as listed. Please investigate and change to positive rating.

CURR WAS 30‑3 ‑ Current account was 30 days past due three times.

Dispute Statement: This account was never late as listed. Please investigate and change to positive rating.

CURR WAS 30‑4 – Current account was 30 days past due four times.

Dispute Statement: This account was never late as listed. Please investigate and change to positive rating.

CURR WAS 30‑5 – Current account was 30 days past due five times.

Dispute Statement: This account was never late as listed. Please investigate and change to positive rating.

CURR WAS 30‑6 – Current account was 30 days past due six times.

Dispute Statement: This account was never late as listed. Please investigate and change to positive rating.

CURR WAS 60 – Current account was 60 days delinquent.

Dispute Statement: This account was never late as listed. Please investigate and change to positive rating.

CURR WAS 90 – Current account was 90 days delinquent.

Dispute Statement: This account was never late as listed. Please investigate and change to positive rating

CURR WAS 120 – Current account was 120 days delinquent.

Dispute Statement: This account was never late as listed. Please investigate and change to positive rating

CURR WAS 150 – Current account was 150 days delinquent.

Dispute Statement: This account was never late as listed. Please investigate and change to positive rating

CURR WAS 180 – Current account was 180 days delinquent.

Dispute Statement: This account was never late as listed. Please investigate and change to positive rating

DECEASED – Consumer deceased. [If consumer is not deceased, contact creditor and try to re‑establish the account.]

Dispute Statement: No dispute needed. Creditor must contact credit bureau.

DELINQ 60 ‑ Account delinquent 60 days.

Dispute Statement: Arrangements were made with the company. This account was never delinquent as listed. Please investigate and change to positive rating.

DELINQ 90 ‑ Account delinquent 90 days.

Dispute Statement: Arrangements were made with the company. This account was never delinquent as listed. Please investigate and change to positive rating.

DELINQ 120 ‑ Account delinquent 120 days.

Dispute Statement: Arrangements were made with the company. This account was never delinquent as listed. Please investigate and change to positive rating.

DELINQ 150 ‑ Account delinquent 150 days.

Dispute Statement: Arrangements were made with the company. This account was never delinquent as listed. Please investigate and change to positive rating.

DELINQ 180 ‑ Account delinquent 180 days.

Dispute Statement: Arrangements were made with the company. This account was never delinquent as listed. Please investigate and change to positive rating.

DEL WAS 90 ‑ Account delinquent 90 days/now 30 or 60 days delinquent.

Dispute Statement: Arrangements were made with the company. This account was never delinquent as listed. Please investigate and change to positive rating.

GOVCLAIM – Claim filed with government for insured portion of balances on an educational loan.

Dispute Statement: This account should reflect a positive paid account status. Please investigate and change to positive rating.

FORECLOSURE – Credit grantor sold collateral to settle defaulted mortgage.

Dispute Statement: This property was sold and payment made as agreed with the company prior to the foreclosure date. Please investigate and remove for my profile.

FOR PROC – Foreclosure proceeding started.

Dispute Statement: This account is open and in good standing. This account is not now nor has ever been in foreclosure. Please investigate and remove from my profile.

INQUIRY – A copy of the credit profile has been sent to this credit grantor at their request.

Dispute Statement: I never applied or signed an authorization for this inquiry. Please investigate and remove from my profile

[If the inquiry remains as a separate listing even after you have opened an account with the lender, use this dispute:]

Dispute Statement: This inquiry is an open account and should be listed within the company’s rating area. Please update and delete this inquiry.

[If the inquiry is more than 3 years old, use this dispute:]

Dispute Statement: This inquiry listing is out dated and must be removed from my profile.

INS CLAIM – Claim filed for payment of insured portion of balance.

Dispute Statement: This account should not be listed as an insurance claim. Please investigate and remove from my profile.

NOT PAID AA – Account not being paid as agreed.

Dispute Statement: This account was paid and satisfied as agreed with the company. This account should reflect a paid positive status. Please investigate and change to positive or remove from my profile.

PAID ACCT – Closed account/zero balance/not rated by credit grantor.

Dispute Statement: This account was kept positive and should reflect a positive paid account.

PAID SATIS – Closed account/paid satisfactory. [No dispute is needed if listed as a positive. If listed as negative use this dispute.]

Dispute Statement: This account was kept as a positive and should reflect a positive paid account. Please investigate and change to positive status.

PD BY DLER ‑ Credit grantor paid by company who originally sold the merchandise.

Dispute Statement: This account was renegotiated with dealer but paid by me. Please investigate and remove from my profile.

PD CHG OFF – Paid account/was a charge off.

Dispute Statement: This account was paid and satisfied as agreed with the company. This account was never charged off as listed. Please investigate and remove from my profile.

PD COLL AC – Paid account/was a collection account, insurance claim or education claim.

Dispute Statement: This account was paid and satisfied as agreed with the company. This account was never charged off as listed. Please investigate and remove from my profile.

PD FORECLO – Paid account. Some payments were made past the agreed due dates.

Dispute Statement: This account was renegotiated and satisfied as agreed with the company. This account never went into foreclosure as listed. Please investigate and change to a positive rating or remove from my profile

PAID NOT AA – Paid account. Some payments were made past the agreed due dates.

Dispute Statement: This account was renegotiated and satisfied as agreed with the company. Please investigate and change to positive rating.

PD REPO – Paid account/was a repossession.

Dispute Statement: This account was renegotiated and satisfied as agreed with the company. This account was never a repossession as listed. Please investigate and change to a positive rating or remove from my profile.

PD WAS 30 – Paid account/was past due 30 days.

Dispute Statement: This account was paid and satisfied as agreed with the company. This account was never late as listed. Please investigate and change to positive rating.

PD WAS 30‑2 – Paid account/was past due 30 days two or three times.

Dispute Statement: This account was paid and satisfied as agreed with the company. This account was never late as listed. Please investigate and change to positive rating.

PD WAS 30‑4 – Paid account/was past due 30 days four times.

Dispute Statement: This account was paid and satisfied as agreed with the company. This account was never late as listed. Please investigate and change to positive rating.

PD WAS 30‑5 – Paid account/was past due 30 days five times.

Dispute Statement: This account was paid and satisfied as agreed with the company. This account was never late as listed. Please investigate and change to positive rating.

PD WAS 30‑6 – Paid account/was past due 30 days six or more times.

Dispute Statement: This account was paid and satisfied as agreed with the company. This account was never late as listed. Please investigate and change to positive rating.

PD WAS 60 – Paid account/was delinquent 60 days.

Dispute Statement: This account was paid and satisfied as agreed with the company. This account was never late as listed. Please investigate and change to positive rating.

PD WAS 90 – Paid account/was delinquent 90 days.

Dispute Statement: This account was paid and satisfied as agreed with the company. This account was never late as listed. Please investigate and change to positive rating.

PD WAS 120 – Paid account/was delinquent 120 days.

Dispute Statement: This account was paid and satisfied as agreed with the company. This account was never late as listed. Please investigate and change to positive rating.

PD WAS 150 – Paid account/was delinquent 150 days.

Dispute Statement: This account was paid and satisfied as agreed with the company. This account was never late as listed. Please investigate and change to positive rating.

PD WAS 180 – Paid account/was delinquent 180 days.

Dispute Statement: This account was paid and satisfied as agreed with the company. This account was never late as listed. Please investigate and change to positive rating.

REDMD REPO – Account was a repossession/now redeemed.

Dispute Statement: The company had no right to repossess. Property was returned after the error was found. Account was paid as agreed. Please investigate and remove the negative information form my profile.

REPO – Merchandise was taken back by credit grantor. There may be a balance due.

Dispute Statement: This account was never a repossession. The account was satisfied with the company. Please investigate and remove from my profile.

SCNL – Credit grantor cannot locate consumer.

Dispute Statement: This company made no effort to contact me. The account has been kept in good standing. I have always forwarded updated information to them. Please investigate and remove from my profile.

SCNL NWLOC – Credit grantor could not locate consumer/consumer now located.

Dispute Statement: this company never lost contact with me as listed. The account is in good standing and I have never been late with payments. I have always forwarded updated information to them. Please investigate.

SETTLED – Account legally paid in full for less than the full balance.

Dispute Statement: This account was renegotiated and satisfied with the company as agreed. Please investigate and change to a positive entry or remove from my profile.

TOONEWRT – Account to new to rate. [This should not be disputed. It is a “neutral” statement. However, watch for a status change in subsequent reports and respond accordingly if it changes to a negative statement.]

TRANSFERRED – Account transferred to another office. [No dispute is needed unless it is listed as a negative entry. If it is a negative entry, use this dispute:]

Dispute Statement: This was a change of location only. The account is now and has always been in good standing. Please investigate and remove or change to a positive rating.

VOLUN REPO ‑ Voluntary repossession.

Dispute Statement: This account was satisfied as agreed. This account should not reflect a repossession. Please investigate and change to positive rating.

30 2 TIMES – Account past due 30 days two times.

Dispute Statement: This account is in good standing as agreed with the company. This account was never late as listed. Please investigate and change to positive rating.

30 3 TIMES – Account past due 30 days three times.

Dispute Statement: This account is in good standing as agreed with the company. This account was never late as listed. Please investigate and change to positive rating.

30 4 TIMES – Account past due 30 days four times.

Dispute Statement: This account is in good standing as agreed with the company. This account was never late as listed. Please investigate and change to positive rating.

30 5 TIMES – Account past due 30 days five times.

Dispute Statement: This account is in good standing as agreed with the company. This account was never late as listed. Please investigate and change to positive rating.

30 6+ TIMES – Account past due 30 days six times or more.Dispute Statement: This account is in good standing as agreed with the company. This account was never late as listed. Please investigate and change to positive rating.

30 was 60 – Account was delinquent 60 days/now 30 days.

Dispute Statement: This account is in good standing as agreed with the company. This account was never late as listed. Please investigate and change to positive rating

So now you have the codes...

The key is not to put the code into the letter but to put the wording next to the code because that's how the software will read it anyway. So when you create your letter, just make sure you have the corresponding information and compose it. The idea is that the proper keyword is picked up, and the improper ones are not. That's all it is. Competitors always looking for an edge will word things such as "professional", "proprietary", "legal", "correct" way to dispute. They'll take pieces of laws which have little to no bearing on all issues and lump them under "validation" letter, which is bullshit, to begin with, anyway. The only way to combat an issue is the correct way, and this above is THE guide that e-Oscar uses. So next time you write a dispute make sure to put this into it and see how it goes for you, but for God's sake, don't pay hundreds of dollars a month for this. Buy some legal pads, and some pens and practice your writing. Then, type it into a pc and print a few copies. that's it.

Letter Examples:


The Wrong Way:

This letter below is a the perfect way to get your claim rejected, stamped "non-specific" and/or flagged.

To Whom It May Concern,


Last year I lost my job and spiraled into a depression. My cousin Joe came over and saw me down and decided to cheer me up. We hit every bar in town and got roundly shit-faced. I woke up in a Cadillac barreling onto the Vegas strip where we indulged every wanton whim, gambling our life savings, maxing out our remaining credit cards and binging on illegal drugs and legal hookers. I think Joe stayed there doing some kind of "film work" to the sharks he owed money to and I took a greyhound bus back to my hometown. So you see, our bender was no fault of my own, and can be qualified as severe depression aggravated by loss of employment. Anyway, I have numerous accounts in collections and they are not correct, and shucks, I'd appreciate it if you guys removed them so I can apply for some new cards and finally get the name "Lynette Long-Tongue" removed from my ass.


Yours truly,


Hank

You see, the letter is actually not specific to an actual claim at all. We can see "Hank" lost his job and couldn't pay his cards, and that he was depressed (no shit). But we can't get anymore out of the letter other than he went on a bender, got blotto and got a tattoo from some woman on his backside. To e-Oscar, which reads code words, no viable dispute can be found. Even if someone does read it, aside from laughing, they won't get very far.


The Correct Way:

Here we see a better letter, using the coded keywords

Name

Address

CRA Name

CRA Address

Date

Re: SSN


To Whom It May Concern;


I have become aware that inaccurate information is being reported by [Insert the collector name here] in the file maintained with my social security number.  The entry reads: [ex: Collection account past due 90 days.] This information is being reported erroneously and illegally under the provisions of the Fair Credit Reporting Act, section 611 (a)(1)(A). I challenge the veracity, and compliance of this information and would like to request an investigation which must be verified via documentation/affidavit where applicable.


Please force an investigation by [insert servicer name here/collection agency name here] and provide me with documentation. This investigation is not to be concluded from information held in a database and I further request to be notified of your manner of verification, as e-Oscar or other means of "automated verification" is unacceptable.


A copy of this letter will be sent to the Consumer Finance Protection Bureau, whom I have asked to intercede on my behalf, with specificity to help remedy this matter.


Please note that you have 30 days to complete the above requested investigation.


Yours truly,


Hank

Cast the chains off, be free, dudes.

I was always a fan of enlightenment and philosophy. Something about humanity using logic and reason to overcome, appealed to me. This famous quote always made me think. It's no less true when dealing with debt. The truth is we don't need credit, we need to learn how to use it and not allow it to use us. Anyway, I wanted to put this up here. After all, we got enlightenment coming out our...

See the difference?


If it is fed into e-Oscar it will ring the bells. Because what you want is someone to actually have to do it manually, not just schlep it off. So, the e-Oscar would render this into something like this:


CURR ACCT, INAC, DELINQ 90


Lots of people would suggest for slight intimidation letters to be used. Promising everything from Legal action to a press release of intent to file a small claims in court. I don't recommend those types of additions to any situation, since threatening to do something is almost as bad as doing something threatened. What can happen is the company can call your bluff, which is not a good place to be if all it was from your end was a bluff to begin with. In this situation a request should not be followed by a threat as it will invalidate the request in the first place. The letter will suffice and since is specific.

it stands a better chance of getting processed into an investigation, which is what you want.


**Update: Need some letters but don't want to pay? Don't want our service? You prefer to give us the bafangoo? Alright then, drop us a line, no questions asked, we'll email you some letters that can be customized to your specific needs.**