“Removing Disputes from Your Credit Report”

       “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.

 

Hi Joe,

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!

Linda

 

Experian
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)


Equifax
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


TransUnion
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
Instant removal

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

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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

Email: joe@righttracfg.com

www.righttracfg.com

www.joepetrowsky.com

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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.

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Comment balloon 5 commentsJoe Petrowsky • June 06 2017 12:38PM
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