If you have had a hard time getting a mortgage due to disputes on your credit accounts this email is for you!
At the bottom of this post I’m going to freely give you the exact letter that I give clients to get disputes removed from their credit.
…but before I do that I want you to understand the guidelines the bureaus go by to remove these disputes.
Here are the guidelines…
Transunion (TU) will now accept letters from the consumer regarding
the removal of dispute comments. TU will verify with the creditor,
but the letter from the creditor will not be needed. The consumer
letter will only address the ‘account in dispute reported by
consumer’ comments. If there is any other verbiage such as “dispute
resolved-consumer disagrees” or anything else, the letter from the
creditor will be required.
Equifax (EQ) will now accept the consumer letter to remove the
dispute comment specifically stating ‘consumer disputes’. The consumer
must first call the creditor to ‘note’ the account that they are
no longer disputing the information.
If the comment states ‘dispute resolution pending’, we cannot
remove that comment. This means there is already an ‘investigation’
pending on the account. This usually happens when the consumer
contacts the bureau Equifax directly to inquire about the account.
Experian (EX) will accept a letter from the consumer to update
most dispute comments.
I am going to give you the letter we give clients to remove disputes, but I want to ad your name to my marketing list first.
The reason is that I want to be friends with you! …and I want to continue to educate you with good content on simular topics.
Please enter your Name and Email address below and you will immediately be sent to a page to download the letter we use.
CLICK HERE and fill out this simple application.
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To sign up for my weekly mortgage quick tips - CLICK HERE.
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Thanks for reading, and have a great day!
Brett
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