Saturday, November 28th, 2009

Is it true that if I dispute items on my credit score, some of them might be removed?

dispute credit score
Kitty Kat asked:


Since the companies have to respond within 30 days, and some of them won’t in that time period? Are there any negative affects this might have? Or does it depend on what I say when I dispute the items? For instance, if I say I never paid this late, what could happen? Is this risky?

This credit business is ridiculous.

Thank you!

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This entry was posted on Saturday, November 28th, 2009 at 12:00 am and is filed under Credit Problems. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

9 Responses to “Is it true that if I dispute items on my credit score, some of them might be removed?”

stever002 Says:
November 30th, 2009 at 6:24 am

If you don’t dispute it, it won’t be removed, and thats for sure. What have you got to lose?

neverdugdisco Says:
December 1st, 2009 at 10:23 pm

Yes its very true.. I have done it. Go to annualcreditreport.com and you can check your credit for free..and they have links so you can dispute them online.. its very quick.

Oblivia Says:
December 3rd, 2009 at 7:38 pm

Yes. True. You have nothing to lose by trying.

S a l m a Says:
December 5th, 2009 at 9:53 am

Kitty Kat , Its totally true and you got no thing at all to lose ,

how ever if you need specific detailed information about how

the Ridiculous Credit Business work advantages

disadvantages what to do , and what you must not do . then

go to Only Best Deals , i am sorry i cant post the link here so

open google and type : Only Best Deals . . . . . . . now in

search results the first line a site called Only Best Deals ,

open it and you there check your right corner the green titles

, also use the top search box which must lead you directly to

them , well i hope this help you , Good Luck .

madison134 Says:
December 8th, 2009 at 10:06 am

It’s easy, you can do it online and they will investigate and email you when they have made a decision. You get to explain why it is what it is on your physical report . It’s worth the time and it can really help your credit score. There are no negative effects that I can think of, only positive.

heart_and_troll Says:
December 9th, 2009 at 1:54 pm

whats ridiculous about it? let me guess, you have bad credit?

is that because of credit company error? or could it be maybe you didn’t pay on time, like you promised to do?

DrIG Says:
December 12th, 2009 at 10:52 am

You certainly should complain if you feel that you have been taken and the charges are unjustified.

On the the other hand it sounds like you are just complaining for no reason with the hope that a ;lack of response by the company involved will give you unjust enrichment. Do not do that. It that is the case it is just stealing.

Adam L Says:
December 14th, 2009 at 10:00 am

I am disturbed by the responses, even though they are right.

Yes, disputing items on your credit report that you know to be true may work. They have 30 days to verify the item, and if they can’t, it gets removed.

That said, disputing items on your credit report that you know to be true is unethical at best. It is lying.

At worst, it is fraud. You are stating that you believe these items are false, and you are attempting to deceive the credit reporting agencies for financial gain. I don’t know if anyone has been charged with fraud for disputing a credit report item, or if it is possible, but it is fraud in it’s most basic websters-type definition.

–>Adam

echo Says:
December 14th, 2009 at 1:57 pm

If you use the free FACTA reports, they actually have 45 days to investigate versus the 30 days when a “paid” report is used.

If you dispute lates that are being reported on a closed account, you may run a very real risk of losing the whole tradeline. Losing a tradeline that is basically positive, other than the lates, would do more harm than good.
Especially if the lates are due to drop off within the next few years.
If you allow the lates to drop off naturally on what could be a positive closed account and the lates fall off at the 7 year mark from the late, the account will move over to the positive side of the credit report and help your scores.

If it is an open account, and you have been current before and after that late, you could try a goodwill letter with the creditor explaining the reason for the late and request that they remove the late notation from your reports.
Some companies will do that, some won’t.

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