Standard Procedure Of Operation

Follow

Processing Department’s S.O.P

1/10/2014

 

First Round of Disputes

Active Record’s are processed with in 24-72 business hours of submission.

(Include Processing Instructions if any)

 

First Round of Disputes Action Plan

First Round of Disputes Complete Note

 

Additional Rounds

Active Record’s are processed based on the due in counter for each round.

(Each round will have an action plan and a complete note)

(Include Processing Instructions if any)

 

Additional Round of Disputes Action Plan

Additional Round of Disputes Complete Note



  • All instructions and DTC requests must be specified in the processing notes section of each record, for each round and then set the processing status to Issue Resolved (Active).

 

  • For all DTC requests the customer must specify the account name and number to include in the letter or if they would like them sent out to all creditors.

 

Doc Issue

 

First Round: Doc Issue; unable to process when there is no monitoring or no credit report uploaded into the record or when the credit report that is uploaded into the file doesn’t have account numbers. Please correct issue and change the Processing Status to reflect Issue Resolved (Active).

 

Additional Round(s): Doc Issue; if processing is only provided with results from one of the three bureaus or there is no monitoring then the CSO will be given five business days to add additional results, an updated credit report or add monitoring. After the five additional business days to add results, an updated credit report or monitoring being added if nothing additional is added then the file will be processed with with no response letters.



Monitoring Issue

 

First Round: Monitoring Issue; if we are unable to access the monitoring site for any reason which would not allow us to obtain a credit report, this will cause the record to be placed into issue and an email sent out for the correction to be made so we can proceed with the processing of the record. But if there is a credit report uploaded into the record for us to process with but the monitoring site will not allow us to verify nor access it for any reason at the time of processing there will be a charge of 400 points for the round.



Additional Round(s):Monitoring Issue; if processing cannot log-in to the monitoring (attached are examples of issues that we have encountered):

- (Cannot refresh) We cannot obtain a new (since the last round) report

- (Login information)We cannot login

- (Cancelled) The client cancelled

- (Billing Issue) The monitoring is asking for money to login or refresh report

- (Only 1 bureau updated) The monitoring only gives updates for 1 bureau

If one of these or any other issue like those occur with the monitoring site the record will be placed into issue. The CSO will be given five business days to correct the issue with the monitoring site. If this isn’t corrected after the five additional business days then the record will be processed with with no response letters unless the following has been uploaded into the record; results from the bureaus or an updated credit report. If the monitoring issue is not corrected then the round will be processed for 400 points even if results or an updated credit report are uploaded.

 

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