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Removing disputes

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907grown
Established Contributor

Removing disputes

How do you have a dispute comment removed?


Starting Score: 460
Current Score: EQ 764, TU 764, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 15,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!
Message 1 of 10
9 REPLIES 9
907grown
Established Contributor

Re: Removing disputes

I hear FHA does not want to see that


Starting Score: 460
Current Score: EQ 764, TU 764, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 15,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!
Message 2 of 10
DaBears
Senior Contributor

Re: Removing disputes

Any mortgage lender do not like them on there. I would call the CRA's to have them remove. If they don't do it then you will need to contact the creditor.

Message 3 of 10
guiness56
Epic Contributor

Re: Removing disputes

If you opened the dispute you can call the CRAs and have it removed.  If it was a creditor, call them and let them know you are no longer disputing and please remove them.

 

AFAIK, no type of mortgage lender likes them.

Message 4 of 10
907grown
Established Contributor

Re: Removing disputes

Great, will do, thanks!


Starting Score: 460
Current Score: EQ 764, TU 764, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 15,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!
Message 5 of 10
907grown
Established Contributor

Re: Removing disputes

I went on a disputing spree along time ago, didn't do any good on valid debts, only made them re report, wishing I hadn't done that, oh well, some of the toughest lessons learned are the best remembered!!


Starting Score: 460
Current Score: EQ 764, TU 764, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 15,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!
Message 6 of 10
guiness56
Epic Contributor

Re: Removing disputes


@nyankovic wrote:
I went on a disputing spree along time ago, didn't do any good on valid debts, only made them re report, wishing I hadn't done that, oh well, some of the toughest lessons learned are the best remembered!!

Very, very true.

Message 7 of 10
RobertEG
Legendary Contributor

Re: Removing disputes

If you dispute via a CRA, they and they alone are the party who concludes the dispute by way of sending of the Notice of Results of Reinvestigation.

It should be an automatic part of their resolution of the dispute to clear the pending dispute flag, but unfortunately, it is often not done.

 

I would send them a complaint (not a dispute), reminding them of their responsibility to maintain accurate credit files.

If they dont promptly comply, I would suggest a followup complaint to the FTC.

 

As an aside, they are required to post the result of the dispute, not delete reference to one having been filed.

 

Message 8 of 10
proudnavymom
Regular Contributor

Re: Removing disputes

A couple of years ago I sent a GW letter to Central Financial Control to ask them to delete a collection that I had paid.  In my letter I specifically stated that I wasn't disputing the information, I was asking them for a goodwill deletion of the collection.  Well they didn't delete it, and they noted it  "consumer disputes this account information" and it is still there.   What should I do to get the comment removed?

Starting Scores TU 7/30/09 FICO 493 EQ 9/5/10 FICO 477 EX 11/14/2011 (lender pull) 575
Current Scores TU 10/19/2018 FICO 671 EQ 12/21/2018 FICO 614 EX 5/31/2014 FICO 658
Goal Scores 700 across the board
Message 9 of 10
Shogun
Moderator Emeritus

Re: Removing disputes

If you just want the dispute removed, you can call them and advise them you are not disputing this and to please removed it from your CR.  I had to do this with my mortgage.

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 10 of 10
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