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CRA information

Established Member

CRA information

How can I get the"customer disputes this account" from the comment section on the details of a charge account?
Message 1 of 4
3 REPLIES
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Moderator Emeritus

Re: CRA information

If you need it removed for mortgage reasons, or whatever reason.  You can contact the creditor and have it removed, or contact the CRA.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

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Message 2 of 4
Community Leader
Epic Contributor

Re: CRA information

Disputes made through a CRA are resolved by the CRA, not the furnisher of the information.

The OC responds back to the CRA, but is not the party responsible for sending the Notice of Results of Reinvestigation, which is the document that closes a dispute.

 

I would send a dispute to the CRA for inaccuracy of information in your file/credit report.  It is their obligation to timely update their own resolution of a dispute.

It's a clerical thing that they obviously dont put much stock in completing, but it has drastic effect on the consumer.

Message 3 of 4
Senior Contributor

Re: CRA information

Also, check out this thread with some useful tips.  http://ficoforums.myfico.com/t5/Mortgage-Loans/Best-Way-to-Remove-quot-Account-In-Dispute-quot-for-M...

 


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Message 4 of 4