I have been trying to figure out the best way to repair mine and DH's cr so I thought that I would tackle the small things first. We have a an old auto loan on our cr that has some lates on it so I contact the credit union (which has merged and changed names with another one) and they told me that I would need to dispute it with the cb before they could do anything. Well since I am new at this I am a little confused. I am not disputing that they were late I just would like to ask that they be removed. Am I being nieve? Do I have to say that they were not late in order to request that they be removed? Is this how it works for all disputes? I tried to search disputes and I could not find any clear instructions on this.
Sorry if I seem a little dense at this, but I am kind of confused. Thank you for any advise that is offered.
TIffany