In the past we have used a simple letter from the consumer to have these disputes removed.
I wanted to let you know that as of January 19th, 2015 Experian will now require a letter from the reporting creditor stating that the dispute comment should be removed. (The other two bureaus will still accept a letter)
This letter can be a little more difficult to get – particularly if the creditor is out of business or otherwise hard to reach.
You could also try calling Experian yourself as a consumer to request the dispute be removed.
Bottom line is if you are getting a mortgage don’t dispute a bunch of accounts prior to your application. You will just have to remove the comments that remain. …and, it can be tricky to get them off sometimes.
That’s it for today!
Have a good day today! …and thanks for reading.
Brett
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