“Removing Disputes from Your Credit Report”
Most of the time putting disputes on your credit report is not a good idea. Unfortunately many credit repair companies do just that in hopes that the creditor reports back that the debt is paid, but that seldom happens.
Lenders that see open disputes on credit reports will condition for them to come off. Having these disputes on reports does not improve credit scores, so when a future mortgage will be needed they need to be removed.
Below is an example of the dispute removal process.
I finally had a day off to call all the agencies to remove the disputes so they said basically within 48 to 72 hours I should either get a letter or email stating they have been removed.
Thank you so much for all your help!
475 Anton Blvd.
Costa Mesa, CA 92626
888-210-9101 and 866-673-0140 is answered by a live human being, tell them you need the National Consumer Assistance Center to end the dispute(s), hours are 8AM-5PM Pacific Time
Up to 72 Hours to remove disputes (You get an email confirming they have been)
1550 Peachtree St, NW
Atlanta, GA 30309
404-885-8300 is answered by a live human being, tell them you need to speak with someone in the Executive Consumer Service department.
Up to 72 Hours to remove disputes
555 W Adams St
Chicago, IL 60661
312-985-2000 it has a machine greeting but just stay on the line and you are transferred to a live person, tell them you need to speak with someone in the Special Handling Department
Use this script for all 3 when you get the desired department: "I need to dispute the compliance condition remarks code of "AID" (Account in Dispute) because I am no longer disputing the/any account."
Image courtesy of StuartMiles/freedigitalphotos.net
Subscribe to my blog via Email:
Joe Petrowsky, NMLS #6869
Right Trac Financial Group, Inc. NMLS #2709
110 Main St.
Manchester, Ct. 06042
Office: 860 647-7701 x116
Fax: 860 647-8940
Cell: 860 836-9294
Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.
Equal Housing Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing becuase of race, color, religion, sex, handicap, familial status, or national origin.