E-oscar is a system that the big three CRA's use to help with complaints from the consumer.the person who reads the diputes has 4 minutes to decide what 2 digit code to put in e-oscar also forget electronic submisions they are automatical sent back to you verified the way they do it now no information gets checked properly as stated by law this has been challenged in fedral court and won awards are 10000 for each error for not properly verified information 4 minutes can destoy your whole life because it wasnt properly investigated lets make them do there job this will help the economy by raising credit scores from proper investigations