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Account in dispute-reported by subscriber

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tufa4311
Established Contributor

Account in dispute-reported by subscriber

I have one 30-Day with Capital One and disputed it with all 3 CB's a short time ago. I now see on my Experion CR "Account in dispute-reported by subscriber" on the Cap One account. 

 

-what does this do, if anything, to my credit score

-does it look negative to creditors/banks for mortgages

-does it frop off after a period of time

-what can I do to get it removed

 

I've heard that an account in dispute basically takes that creditor out of your score - could that be happening here? This account, other than the one 30-day almost a year ago is just fine - I wouldn't want it to be taken out of the credit scoring process.

796 TU FICO 08 (08/2018)
758 TU FICO 08 (01/12/2016)
753 TU FICO 08 (11/21/2015)
740: EQ Score Power (Beacon 5.0) FICO 04 (01/23/2015)
755 TU FICO 08 (01/21/2015)
652 TU Lender Pull (06/10/2014)
665 TU FICO 08 (05/21/2014)
Goal: 800+
Message 1 of 2
1 REPLY 1
tufa4311
Established Contributor

Re: Account in dispute-reported by subscriber

After a little research:

 

http://www.trulia.com/community-blog/shanethemortgageman/2013/04/the_best_way_to_remove_account_in_d...

 

Experian
475 Anton Blvd.
Costa Mesa, CA 92626
714-830-7000 is answered by a live human being, tell them you need the Executive Customer Service Team to end the dispute(s), hours are 8AM-5PM Pacific Time

Equifax
1550 Peachtree St, NW
Atlanta, GA 30309
404-885-8300 is answered by a live human being, tell them you need to speak with someone in the Executive Consumer Service department.

TransUnion
555 W Adams St
Chicago, IL 60661
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)

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.

796 TU FICO 08 (08/2018)
758 TU FICO 08 (01/12/2016)
753 TU FICO 08 (11/21/2015)
740: EQ Score Power (Beacon 5.0) FICO 04 (01/23/2015)
755 TU FICO 08 (01/21/2015)
652 TU Lender Pull (06/10/2014)
665 TU FICO 08 (05/21/2014)
Goal: 800+
Message 2 of 2
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