Thursday, July 23rd, 2009

Is it true that items on credit report are removed during disputes on your credit report?

Credit Disputes
Jacqueline asked:


I was told that while you dispute items on your credit report, that the items come off the credit report until they have verified them or when the 30 days have passed. I have only seen that they remove items after the investigation period.

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5 Responses to “Is it true that items on credit report are removed during disputes on your credit report?”

Sturzstrom H Says:
July 25th, 2009 at 3:28 pm

Sometimes. It depends on the nature of teh dispute.

ZCT Says:
July 28th, 2009 at 9:52 am

It depends if anyone bothers to report it to the major credit reference agencies. Often you will have to force the person who made the mistake to do this, once you have proven they are wrong.

stopccdebt Says:
July 31st, 2009 at 6:58 am

They usually still show up, but they will have a text notation that they are not currently calculated as a part of your credit score.

This is a simple notation that appears under the item in question. If a lender is reviewing your credit report manually, then they will likely still see it.

Get Justice! Says:
August 3rd, 2009 at 12:27 pm

Sounds about right. Take a look at the site below, it may help.

Wojtek T Says:
August 4th, 2009 at 8:00 am

The credit reporting agency will not remove a credit trend line while its in dispute but will note it as such. Creditors have 30 days to repspond to the disputed item after which time its removed if they dont.

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