Before buying a home, in most cases, lenders would require you to remove any disputed statuses from your credit report. We advise our clients to deal directly with the credit bureaus when removing dispute remarks. Here is the information for each bureau:

Experian

475 Anton Blvd.
Costa Mesa, CA 92626
Call: 714-830-7000.

The number is answered by a live human being, tell them that you need the Executive Customer Service Team to end the dispute(s), hours are 8AM-5PM Pacific Time

Equifax

1550 Peachtree St, NW
Atlanta, GA 30309
Call: 404-885-8300.

The number is answered by a live human being, tell them you need to speak with someone in the Executive Consumer Service department.

TransUnion

555 W Adams St
Chicago, IL 60661
Call: 312-985-2000.

The number has a machine greeting but just stay on the line and you are transferred to a live person. Tell them that you need to speak with someone in the Special Handling Department. You’ll have to wait a little bit as they need to connect to customer service, then get it elevated to the Special Handling Department (it is hit or miss, TransUnion often proves to be the most challenging)

NOTE: If you cannot get the Special Handling Department, then when contacting the normal customer service reps you should say:

I need to dispute the compliance condition remarks code of “AID” (Account In Dispute) because I am no longer disputing the account.

The customer service rep should be able to immediately end the dispute, as in during the phone call.

There are some situations that disputes cannot be ended by the consumer, and must be ended by the creditor, such as if there are multiple disputes on the same trade line. Remember to always be patient with the customer service reps, as they are trying to help you but may have limited communication skills depending on where the customer service call center is based. If there are confusing terms being used, don’t be afraid to admit you do not understand what they are saying and ask for them to reexplain or to transfer you to someone in the U.S.

Posted by:  Carlson Mortgage – a St. Louis mortgage broker.  We can be reached at (314) 329-7314 seven days a week. Let us be your source for some of the lowest mortgage interest rates in St. Louis on conventional, FHA, Veterans (VA), USDA, Jumbo. We have 10 years of experience providing mortgage services for home loans in St. Louis that are tailored individually to your unique needs and to your financial situation. We speak English, Spanish and Russian. Call us today to inquire about interest rates. to get pre-approved for a purchase or a refinance mortgage, or if you have any general mortgage questions. Note: we are ONLY licensed in Missouri at the present moment.