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Secondly, if you dispute the same item(s) multiple times without providing any new proof, your disputes will be denied as 'frivolous'.

My experience with disputes has been a little more complicated. I filed a dispute with all three credit bureaus, but since they all work at different rates they pass bad info back and forth before the dust settles.

I've had a couple of items that I disputed and they were removed, and then two years later they show up again when I applied for a refi. When I sent them the documentation saying that the items had been investigated and removed, they said they had gotten the info from one of the other credit bureaus.

AC *just completely exasperating*
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