CALLING THE BUREAUS FOR INSTANT DISPUTE COMMENT REMOVAL:

EXPERIAN: Call 855-414-6148 ( select options 2, 1, 2, 1 after you’re prompted for your SSN# and dob etc)

This will get you to a live agent. If this doesn’t work then pull your free Experian report at Experian report from annualcreditreport.com or sign up for a freecreditreport.com account. This will give you special phone #s that change seasonally and a report id# to get through to customer service quicker. Tell them that you are purchasing a home and you would like for the dispute to be removed from some accounts on your credit report AND that you are no longer disputing those accounts.

TRANSUNION: Phone number: 800-916-8800. Extension 4 then extension 2.
This will get you a live agent. Tell them that you would like for the dispute to be removed from some accounts on your credit report AND that you are no longer disputing those accounts.

EQUIFAX: Phone # 800-846-5279 (picked up by a live agent, but hold times are long )
Tell them that you would like for the dispute to be removed from some accounts on your credit report AND that you are no longer disputing those accounts. Ask them how long it takes for this to be done and if he/she says that it will take longer than a couple of days…. tell them that you are needing to move forward with the closing on your home and can it be expedited sooner.

Or you can send a letter to them.

Full Name

Mailing Address:

Date of Birth, SSN#

{If Sending to Experian: P.O. Box 4500, Allen, TX 75013} OR BY FAX : 1-972-390-4908

{If Sending to Equifax: P.O. Box 740256, Atlanta, GA 30374-0256} OR BY FAX : 1-888-826-0549

{If Sending to Transunion: P.O. Box 2000, Chester, PA 19016} OR BY FAX : 1-610-546-4657

{Date}

RE: REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING

To whom it may concern,

In accordance with the Fair Credit Reporting Act Section 611 (15 U.S.C. § 1681I), I am practicing my right to “UPDATE” information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the “disputed comments” on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with, or are no longer in dispute.

I am asking the dispute comment to be removed from the following items:

{Creditor Name} {ac# }

{Creditor Name} {ac# }

{Creditor Name} {ac# }

{Creditor Name} {ac# }

Once again this is not a request to investigate, but to update, so I expect you to update my file as soon as possible and not the regular 30 day period you’re allowed for disputes

Truly,

{Name}

{Signature}