Our Panelists Today

Jasmine BurgosEnvoy

Kelly WellsCROW

About Today’s Call

o The quickest way to get that “Account in Dispute” comment removed from your account

o The Dispute Process and the nitty-gritty details!

Removing “Item In Dispute” notation on the credit report:

Send letters to credit bureaus – they have up to 30 days to respond – not the quickest method, we use this method when we are just finishing up on a client and there is no rush.

ExperianPO BOX 2002Allen TX 75013

TransUnionPO BOX 2000Chester PA 19022

EquifaxPO BOX 740256Atlanta GA 30374

“Item In Dispute” ContinuedPhone Calls

Experian714-830-7000

Option 0 ask to speak with special services they will do it without the report number

Or

800-509-8495 with report #

TransUnion800-916-8800

You must have a number from a dispute update or a number from Annual Credit Report.com

Equifax404-885-8000

They will ask for the file number, but they are able to use your social security number if you don’t have one.

“Item In Dispute” Continued

Items needed for Phone Calls

a. It is best if you know what accounts have the notation “item in dispute” on it, that way when your client is talking to the person helping you at the credit bureau they can just give them the information and not chance the agent missing one. They will do it while you are on the phone but I would have your client call back in 24-48 hours to make sure there are no longer any accounts with the notation before they have their loan officer re-pull the credit report.

b. TransUnion - will not allow you to do a conference call, so what I do is give my client all the information they are going to need prior to doing the call then I make the phone call and when the customer service representative gets on the phone I tell them what we are doing and they always say, “we can not speak to you” so I tell them I understand I just wanted to make sure that my client got to the right department and then I hang up.

“Item In Dispute” Continued

c. Experian - will talk to the client with me on the line and I can ask questions but they will answer the question addressing the client not me. I also always call the 714 number and ask to speak to a special services person, they are always very nice to me.

d. Equifax – They will talk with your client while you are on the phone also, they ask for the report number but will do the removals with the social security number.

Items needed for Phone Calls

“Item In Dispute” ContinuedOnline Request

Experian will do online deletions

www.experian.com/upload when you are sending this request you need to know exactly what accounts have the dispute notation written on it and you have to specifically ask for it to be removed. You must also include the following information in your uploaded request:

NameAddressDate of birthSocial Security NumberProof of ID – Drivers license or government issued idProof of Address – utility bill etc. – must be recentAccount that has “item in dispute”

TransUnion – DOES NOTEquifax – DOES NOT

“Item In Dispute” ContinuedFaxing in Letters

ExperianFax # 855-246-9034

TransUnionFax # 610-546-4771Attn: Consumer Contact Dept.

EquifaxFax # 888-826-0573

“Item In Dispute” ContinuedInclude the following information:

-File number

-Name

-Address

-Date of birth

-Social Security Number

-Proof of ID – Drivers license or government issued id

-Proof of Address – utility bill etc. – must be recent

- Account that has “item in dispute”

The Dispute Process

The Dispute Process

The Dispute Process

The Dispute Process

The Dispute Process

The Dispute Process

The Dispute Process

Let’s Wrap It Up!