Reply
Established Member
Hawksfan
Posts: 30
Registered: ‎06-13-2011

Re: Any tips for removing dispute remarks with Equifax?

Hold on here can someone clarify for me. If I have disputed anything in the past there will be a dispute note on my file? What if the dispute was settled and Equifax decided that the information was correct. Does it still show dispute? I mean what exactly shows dispute? If I get my scores and reports form here "My fico" and I don't see dispute does that mean I'm good? or am I going to need to pull my reports directly from Equifax, Transunion and Experian to find out? I'm really worried now that the disputes I did in the past to clean up my report are going to bit me when I go to close on a house.

Starting Score: EQ 625 TU 610 EX 626 (lender pull 3/15/2012)
Current Score: EQ 625 TU 610 EX 626 (lender pull 3/15/2012)
Goal Score: 710
Established Member
Hawksfan
Posts: 30
Registered: ‎06-13-2011

Re: Any tips for removing dispute remarks with Equifax?

Update here.  After a few hours I was able to get the removal process rolling.  I called Equifax and Transunion and was just able to ask them directly about any disputes, or the word dispute showing up.  This was without actually pulling a report.  Equifax was first and they said yes there was an account disputed.  I asked them to remove it, they said no you need to contact the CA.  I called the CA asked them to pull up account.  They did and said yes it's in dispute. I told them I'm no longer disputing it and to please mail and fax me a form saying it's no longer disputed.  And to please electronically notify the CRA's of the fact I'm not disputing it.  They had no problem and are supposed to be mailing, faxing, and notifying.  I called Transunion next, they said they needed the letter so once I get it I'll send it to them and supposedly in five day after receiving it they will remove the notation.  Experian was a tad tougher.  To even get someone on the line I needed to pull a report, so I paid the eleven dollars for the report on their site and got a report number.  I called Experian back, entered my report number and was able to get someone on the phone.  They actually just on my statement were able to remove the notation.  They claim in 72 hours I'll get an email saying the notation removal is complete.  Perhaps I did not even need to contact the CRA's directly but I did anyways.  Perhaps the CA will notify them and it will be removed that way.  Either way I'm well on my way to getting this potential hurdle removed in my mortgage process.  I haven't gone to a LO yet but plan to in the next two weeks.  I just hope there are no other obstacles to remove before getting my FHA loan.  I also hope I did not hurt my score by getting these notations removed but it was a chance I was willing to take after reading all the dispute horror stories.  I hope this helps!


Starting Score: EQ 625 TU 610 EX 626 (lender pull 3/15/2012)
Current Score: EQ 625 TU 610 EX 626 (lender pull 3/15/2012)
Goal Score: 710
Established Member
Jestermeistr
Posts: 17
Registered: ‎06-23-2009

Re: Any tips for removing dispute remarks with Equifax?

[ Edited ]

The reports on MyFico should accurately report the dispute comments; at least for me it did.  Once they were removed, I ordered an updated credit report which no longer showed the dispute comments.  Unfortunately, it also showed the credit score dropped by a bunch of points. 

 

Definitely good to have them removed prior to having credit pulled by the lender- wish I had done the same, would have made things much easier.  Even though Equifax removed the scores and provided a confirmation letter, my lender demanded the CA provide proof.  Luckily, 2 of the 3 lenders were cooperative and provided the confirmation right away.  The 3rd CA said they couldn't because they stopped reporting the account 2 days prior.

New Member
yajustiniano
Posts: 2
Registered: ‎07-30-2007

Re: Any tips for removing dispute remarks with Equifax?

[ Edited ]

Mod cut!

 

We aren't allowed to post our personal information or that of others in the forums. This includes names, telephone numbers and email addresses.

 

--fused, myfico moderator


Starting Score: 618
Current Score: 644
Goal Score: 700


Take the FICO Fitness Challenge
New Member
Gslse21b
Posts: 2
Registered: ‎01-02-2012

Re: Any tips for removing dispute remarks with Equifax?

Just called the number at the beginning of this discussion... Left my information on the voice mail ..15 minutes later received a call back from Donna . "report is ready to be pulled "!!! Myfico is awesome !!!!
New Member
jordanjanel
Posts: 12
Registered: ‎01-31-2012

Re: Any tips for removing dispute remarks with Equifax?

Your score will plumment after the dispute comments are removed. My experian dropped by 90 points, ouch! Luckily, I had my lender pull my scores again the same day that the disputes were removed so the scores had not adjusted by then.

Frequent Contributor
UpmyscoreinFL
Posts: 293
Registered: ‎01-12-2012

Re: Any tips for removing dispute remarks with Equifax?

Can someone pm me the phone number
Equifax my fico 629
Transunion my fico 669
Experian fako 663
New Member
Taye84
Posts: 2
Registered: ‎03-15-2012

Re: Any tips for removing dispute remarks with Equifax?

Can someone PM me Dorothy's number??? Please, I really need her help!!!! Thans

New Member
Gslse21b
Posts: 2
Registered: ‎01-02-2012

Re: Any tips for removing dispute remarks with Equifax?

Click that #1 down there
New Visitor
yvonniep
Posts: 1
Registered: ‎05-11-2012

Re: Any tips for removing dispute remarks with Equifax?

[ Edited ]

Hi

This may be a repeat message,  Could you email me the number for Dorothy. I have till the end of may to get my loan closed, if not I am going to loose it. I cannot get equifax to budge on removing a dispute comment. Thank you so much. Yvonne   My email is Mod Cut.


Hi yvonniep and welcome to the forums.

 

Personal information is not allowed to be posted. You are free to exchange such things via PM (Personal Messge).

 

MarineVietVet, myFICO moderator


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+