Getting Rid of Disputes from a Credit Report
Joe offers some outstanding advice for consumers who want to have disputes removed from their credit reports. Contact information for all three credit bureau is included along with what you should specifically request.
Getting Rid of Disputes from a Credit ReportLenders today have a problem with accounts on a credit report that indicate that the accounts are in dispute. I wish I could completely understand why, but they want the dispute removed from the credit report.Very often, folks that hire companies to repair credit, will literally dispute any and all derogatory accounts, even when they are correct. I’m assuming they expect the creditor to just go away, but most of the time the accounts will show as being disputed and the obligations remains on the credit report.
The normal process has been to write a letter or letters to one or all three of the bureaus and then it takes however long for the disputes to come off. I carried on this conversation with one of my clients the other day and he notified me there is a much quicker way. I love learning from my clients.Below is a list of phone numbers, some instructions and how long it will take for each bureau to correct the credit report.
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 Hrs 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 theExecutive Consumer Service department.
Up to 72 Hrs to remove diputes
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 stuart miles/freedigitalphotos.netSubscribe 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
Email: joe@righttracfg.com
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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