@laybae95 wrote:I have been disputing a few collection items on my credit for a few months now. They are fairly recent (within the last year). I called last week and disputed again with Experian and the customer service agent told me they were eligible to be removed and they were all removed from my credit within 24 hours.. how is this possible? Did I just get lucky?
Welcome to the forum.
Yes you got lucky. Did you just get lucky? (i.e. were there also other valid reasons compelling their removal?) To answer that we would need to know much more detail.
I've done this myself. I've always had perfect credit and pay all my bills but a few times when I have had medical procedures and all those out of network bills come pouring in, I refuse to pay them. So, the small handful that eventually went to collections and ended up on my reports, I spam the bureaus with disputes and I have gotten all of them removed except for one stubborn medical left on Experian. Still working on that one, lol. You have nothing to lose by disputing.
;
;
;
;
;
;
;
;
Always online. It's gotten a little tougher to spam dispute. When I was working to get a collection off my reports around 2020, I could dispute daily (I usually did it monthly). It worked. I had one medical office who was stubborn and would always respond when I disputed but I suspect I prevailed in 2020 because of Covid and maybe they were closed or short staffed (only guessing). This current collection I am trying to get removed from EX (I got it off TU and EQ already) is a little tougher to spam. Now, when I go to dispute, they tell me I can't make another dispute unless I have new information. So, of course, I say that I have new information. I disputed it again last night but it's actually been about 4 months since I did it last. I'll keep trying but otherwise my EX will just have to stay at 795 while EQ and TU are in the 800s.