If You Pull Your Credit and Find a Disputed Item on Your Credit Report, You Can File a Written Complaint with the Credit Bureau and You Can Call! 

Experian  –   (714) 830-7000, (888) 873-5455, (800) 493-1058 or (888) 397-3742, is answered by an electronic operator but the Report # should get you to a live person, tell them you need the Executive Customer Service Team to end the dispute(s). They will most likely respond that we have “National Customer Service”….tell them fine. They will transfer you. Once someone answers, tell them I need you or your manager to please remove dispute verbiage off all of my accounts. I have a very short amount of time as I need to obtain financing on a loan. (Note: The phone # is above is Orange County, but, you will get transferred to Texas)….so call after8AM.

 

Equifax  – (404) 885-8300 or (800) 203-7843 or  (866) 349-5186 is answered by a live human being, tell them you need to speak with someone in the Executive Consumer Service department. Once someone answers, tell them I need you or your manager to please remove dispute verbiage off two of my accounts. I have a very short amount of time as I need to obtain financing on a loan. One client simply left a message with their name, phone number, SS number and the items to remove the verbiage and 2 days later they were off. The magic words seem to be “I release the dispute!” Tell them you simply want to remove the dispute verbiage from all the trade lines that show item in dispute. Remind them that the creditor never disputed this (why would they) you did…now you want to release the dispute that you not the creditor initiated. You may also say that the creditor is not being helpful is removing the dispute unless you pay them $$$!  I’ve even had clients say that they truly don’t owe the creditors $$$ but would rather have something on their credit that is not theirs than lose their home!!!  It can be a battle that you may not win but it is worth a try. (Please note – Equifax is on Eastern Time zone – They are 3 hours ahead of us…so call after 6:00AM)

 

TransUnion  – (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, you’ll have to wait a little bit as they need to connect to customer service then get it elevated to the Special Handling Department (it is hit or miss, TransUnion often proves to be the most challenging). Try and get the Special Handling only…if it is just customer service and not that department, then they will may not be able to help.  If you cannot get the Special Handling Department, then when contacting the normal customer service reps you should say:  “I need to dispute the compliance condition remarks code of “AID” (Account In Dispute) because I am no longer disputing the account”. The customer service rep should be able to immediately end the dispute, as in during the phone call. Once someone answers, tell them I need you or your manager to please remove dispute verbiage off two of my accounts. I have a very short amount of time as I need to obtain financing on a loan.  (Chicago is 2 hours ahead, so call after 6 or 7)

 

SPECIAL CIRCUMSTANCES:

  • If there is dispute verbiage on an active trade line (a credit card currently being used or a car loan you are still paying on) you should call the company directly to tell ask them to release the dispute in addition to calling the bureaus.
  • If you only have one account in dispute (and you don’t owe them $$$) it might be easier to just call the creditor directly and ask them to remove the dispute verbiage.  Keep in mind this takes longer from the verbiage be removed.