The latest hurdle in getting mortgage approval is to have all disputes on credit removed. Since a tradeline (account) dispute removes that account history from the credit scoring models, the investors have become wise to inaccurate credit scores due to disputes. Often times when a dispute is removed a credit score will go down (especially if the tradeline has a negative history, excessive balance or is recently opened). You will want to have all the disputes on your credit report removed prior to submitting a mortgage application. First, review your credit information by visiting www.annualcreditreport.com and retrieving your free reports (note – it will not give you scores for free and you can only access the information once per year, so make it count!).
Through annualcreditreport.com you can remove disputes, or you can also call the bureaus direct here:
TransUnion
312-985-2000
It has a machine greeting buy just stay on the line and you are transferred to a live person, tell them you need to speak with someone in the Special Handling Department.
Tell the representative “I need to dispute the compliance condition remarks code of “AID” (Account In Dispute) because I am no longer disputing the account”. The representative was able to take care of this over the phone and will issue a email conformation within 72 hours.
Alternatve Transunion: 800-916-8800
Equifax
404-885-8300
Answered by a representative, tell them you need to speak with someone in the Executive Customer Service department. Tell them the same phrase above. I received email conformation within 24 hours that it was removed.
Alternate Equifax: 800-203-7843
Experian
888-397-3742
You need to access your credit report from annualcreditreport.com first. You will need to 10 digit number on top of your credit report. Speak with someone in the National Customer Service Center. Tell them you want the dispute removed. They will issue a email response within 48 hours
Alternate Experian: 714-830-7000 press “3” and ask for customer service
Don’t make any selections from the automated system and just hold for a representative. Ask for “consumer affairs” and explain they you have a loan pending and you need all disputes removed. Once they indicate they will remove the disputes, ask when it will be updated for your lender to request a new report.
Additional resources if any of the above do not yield results:
Experian
- Call 714-830-7000
- Press 0 to talk to a representative.
- They will require the last 4 digits of your social security number and other identifying information.
- You will also need a 10 digit Experian report number. Advanced Credit Solutions
- Clients can contact us for this number. Other clients can get this number from a free Experian credit report from www.annualcreditreport.com
Trans Union
- Call 800-916-8800
- Press 3 to talk to a representative.
- They will require the last 4 digits of your social security number and other identifying information.
Equifax
- Call 800-846-5279
- This number is a direct line to a live operator
- They will require the last 4 digits of your social security number and other identifying information.