Removing Disputes From Your Credit Report

Removing Disputes From Your Credit Report

Removing Disputes From Your Credit Report

Removing disputes from your credit report is not as difficult as you may think. If you have open disputes listed in your report, it’s possible that lenders will reject your loan application. It is also possible to ask you to remove the dispute before approving your request. Whatever the case is, in this article, Baby Boomers Financial will explain you the process of removing disputes from your credit report. You can also check our relevant blog post “How to Write an Effective Dispute Letter.” If you’re ready for today’s lesson, then let’s remove some disputes. 

Removing Disputes from Your Credit Report: 

It can be very simple, but you still have to be careful to be formal enough, and follow the procedures. Here’s how to do it. 

Check Your Annual Credit Report: 

Before taking any action, claim your free annual credit report, and make sure which dispute comments are still shown. Removing disputes may have positive or negative impact to your credit score. In case of a disputed account with positive history, you may see a small increasement to your rating. But if you have a dispute with negative claims, then you should expect to lose few points. 

Check out our blog post about hard inquiries: “Hard Inquiry: Breaking Down the Term.” 

Content the Credit Bureaus: 

Now that you have identified, the dispute comments you want to delete from your report, it’s time to take action. And by action, we mean that you should contact the credit bureaus. You can access the credit bureaus in three ways. Either by a handwritten letter, an email, or with a call. This varies according to which bureau you’re dealing with. For example, for TransUnion, a simple request via a regular phone call will do the work. On the other hand, it is believed that Equifax will respond better to your request for removing disputes, with a letter. Experian at the same time seems to be the most challenging among the three of them. It is more likely that you will need a combination of calls and letters in order to proceed. 

Check out or blog spot about credit errors: “Credit Errors: The 6 Most Common Suspects.”

If you need help in removing disputes from your credit report or any other negative items, you can contact a reputable credit repair company to do the work for you. While different sources argue whether it’s a wise decision or not, you can check our relevant blog post, to help you decide: “Credit Repair Company: Why You Need One.” Baby Boomers Financial has both the knowledge and experience needed, to effectively repair your bad credit. Call us today, and let us help you to achieve your much-desired financial freedom.