02-09-2013 12:23 PM
Almost 30 days ago we submitted an online dispute with EQ to have two negatives removed. These two represent the last two baddies on my wife's credit. (I have already had them removed from both EX and TU)
Both baddies are over 7 years of age. We even received a 1099-C for one of them this year, which if I understand 1099C's, discharges the debt.
My question is this, Equifax has had this dispute for almost a full 30 days. It still reads as "Pending" in their online status screen. (I printed a screenshot of course).
My understanding is that EQ is required to investigate the dispute AND get back to us within 30 days or we can then force removal from my wife's Equifax credit report.
So my question is; Am I correct? If after the 30 days have expired, I can send them a letter with documentation of the dispute submission, acceptance by EQ and current status as "pending" indicating longer than 30 days has transpired and have get EQ to remove the baddies?
I have print outs of every thing, from original submission receipt to current status all reflecting dates.
My understanding is further that once I have sent them the demand for removal letter and they have received it (i will have proof), EQ will have 15 more days to complete the removals. (45 days total) .
Is that correct?
Thanks in advance.
02-09-2013 12:25 PM
02-09-2013 12:27 PM - edited 02-09-2013 12:46 PM
Okay. Not worried because BOTH are indeed over the 7 year mark. Both TU and EX removed both already so I would think EQ will follow suit sooner or later anyway.
EDIT: I am not sure we went off the free report at annualcreditreport.com or not now that I think about it.
I pulled a three bureau report from Freecredireport.com (She has a membership) and then went directly to the Equifax website and started their own online dispute directly.
Would that fall as a 45 day or 30 day dispute?
02-09-2013 01:07 PM
Yea it was online via Equifax's own website, not Annualreport.com
Is that 30 days or 45?
02-09-2013 01:30 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.