DISPUTE NOTATION REMOVAL
Credit reports often contain errors that can negatively impact your credit scores. You may have disputed inaccurate accounts on your credit reports in the past and when you do, the consumer reporting agencies are required to add a note to indicate that the consumer disputes the account. That note will remain on the account even after the inaccuracies have been corrected. But now you're applying for a home loan and you're finding that those dispute notes are making approval difficult.
When you're finding it difficult to be approved for a loan due to dispute notations on accounts you've disputed in the past, we can help.
WHY ARE UNDERWRITERS CONCERNED WITH DISPUTE NOTATIONS?
When an account is or has been disputed, a dispute notation is required to be added to the account. When this happens, the account no longer gets included in the credit scoring algorithms which means your credit scores are not completely reflective of the information being reported in your credit file.
When underwriters review your credit file, they want a clean and accurate file and credit scores. This means it may be necessary to have the dispute notations removed from your file so the underwriters don't need to concerned with whether they are basing a funding decision on inaccurate information in your credit file.
Removing the dispute notations is relatively straight forward, however, if you've ever tried to contact the consumer reporting agencies, you know they don't make it easy to get in touch with a live human being that can be helpful. We'll provide you with information below on how you can get dispute notations removed yourself. If you don't want to or don't have the time to deal with the hassle, just scroll down farther for a link you can click to contact us and we'll be happy to help you.
DIY DISPUTE NOTATION REMOVAL
- Call 888-397-3742 between the hours of 8am and 5pm PST
- Ask to speak with a representative in the National Consumer Assistance Center
- Let them know you want to end a dispute and have the dispute notation removed from the respective account.
EXPERIAN
- Call 404-885-8300 between the hours of 7:45am and 5pm Monday - Friday
- Ask to speak with a representative in the Executive Consumer Service Department.
- Let them know you want to end a dispute and have the dispute notation removed from the respective account.
EQUIFAX
- Call 321-985-2000 and select option 2 - there's a problem with your credit report
- You may have to go through additional menu options but be patient, you will get through to a live person
- Ask to speak with a representative in the Special Handling Department.
- Let them know you want to end a dispute and have the dispute notation removed from the respective account.
TRANSUNION
LET US DO IT FOR YOU
We understand that contacting the consumer reporting agencies can be time consuming and a hassle. If you'd rather not deal with what can be a frustrating experience, we can take that off of your plate. Just click the link below to request a free consultation to get the ball rolling.
