04-08-2011 09:36 AM
So in early March I diputed an item and within 5 days Experian "updated" it. There were a couple of changes. The account status went from open to closed and the date on which it is scheduled to be removed has changed, in my favor. The weird thing is, I've obtained an experian report within the last few days, and that same trade line says "in dispute, reported by subscriber." I thought that the "update" was insanely fast, especially given the fact that there is a 45 day window on online disputes. Does that mean that it is still in dispute somehow? I can no longer view the dispute results, as they are good for 30 days and that has passed. The other two accounts I disputed on Experian at the same time now say something like "verified, customer disagrees" or some such nonsense. I'm hoping maybe I can check after the 45 day mark and it will be deleted. My hope is based on the fact that Transunion deleted the same trade line after about thirty days passed. I disputed on both EXP and TU at the same time. If anyone has any insight, that would be great.
04-10-2011 07:05 AM
yes, mine have been there for almost 2 years and i am in the process of trying to get them removed. you may want to check all of your reports to see if those remarks were added for the same tradelines as well.
good thing about experian, they are fairly easy to remove. just call them up and tell them you are no longer disputing those specific tradelines and they will immediately remove them. i hear eq and tu are a bit more difficult
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.