Disputes Removal

[Tmyers]

Back in March I asked for the comments on two accounts on my profile showing in dispute to be removed. One was already paid off, the other was still factoring into my credit score. They said they got info from the creditor to put it back on there, but my score had already went down. I paid the second off and it stopped factoring into my utilization. I requested the comments to be removed again. Should I expect another score hit? How do I know if they're factored in my score?

[AndySoCal]

@TmyersIf the dispute remarks are being reported by the creditor you need to concact the creditor. Disputing this with the bureau is pointless. If the bureau removes the remark(s) and the credit re-reports the remarks the dispute does nothing. Call the creditor and resolve the issue there.

[Tmyers]

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@AndySoCal wrote:

@TmyersIf the dispute remarks are being reported by the creditor you need to concact the creditor. Disputing this with the bureau is pointless. If the bureau removes the remark(s) and the credit re-reports the remarks the dispute does nothing. Call the creditor and resolve the issue there.

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They are both at 0 balance (settled and paid) and I plan on doing FHA. Would it matter? I will contact creditors, but I don't want to shoot my self in foot.

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[AndySoCal]

All you are asking the creditor to do is remove the disputed reamrk. The creditor is reporting and the credit needs to stop reporting it. Disputing that remark with the bureau(s)  will not do you any good. If the bureau removes the remark and the creditor re-reports the  account the remark returns.

[MeredithLepore]

You can submit a reconsideration with the credit bureau, providing documentation that the account has been paid and closed. Disputing comments shouldn't hurt your credit score, and now that the account is paid, your score should increase, not take a hit. If the comments still aren't removed, you can file a complaint with the consumer financial protection bureau.

[AndySoCal]

@MeredithLepore  The problem is the creditor is reporting the account is in dispute.  Unless the creditor removes the reporting of the account in dispute from their reporting reporting having the bureau do anything will not work. Why? Soon as the creditor re-reports the trade line the dipute remark will come back on the credit report.

[FireMedic1]

https://www.consumerfinance.gov/complaint/ 

[MeredithLepore]

@AndySoCal I agree that contacting the creditor is a good first step. However, considering the account is paid and closed, if the dispute still stands, I would file a complaint with the Consumer Financial Protection Bureau

[AndySoCal]

@MeredithLepore  I would contact the creditor first and give them the opportunity to update there reporting. If the creditor refuses to do so then explore other avenues.