The document discusses different methods for removing "Item In Dispute" notations from credit reports, including sending letters, making phone calls, or submitting requests online or by fax. It provides contact information and procedures for each of the three major credit bureaus - Experian, TransUnion, and Equifax. The quickest methods involve calling the credit bureaus directly and having them remove the notations from accounts over the phone while on a call with the customer. Sending letters or faxing requests can take up to 30 days to process.

2. Our Panelists Today
Jasmine Burgos
Envoy
Kelly Wells
CROW

3. 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!

4. 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.
Experian
PO BOX 2002
Allen TX 75013
TransUnion
PO BOX 2000
Chester PA 19022
Equifax
PO BOX 740256
Atlanta GA 30374

5. “Item In Dispute” Continued
Phone Calls
Experian
714-830-7000
Option 0 ask to speak with
special services they will
do it without the report
number
Or
800-509-8495
with report #
TransUnion
800-916-8800
You must have a number
from a dispute update or a
number from Annual
Credit Report.com
Equifax
404-885-8000
They will ask for the file
number, but they are able
to use your social security
number if you don’t have
one.

6. “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.

7. “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

8. “Item In Dispute” Continued
Online 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:
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”
TransUnion – DOES NOT
Equifax – DOES NOT

9. “Item In Dispute” Continued
Faxing in Letters
Experian
Fax # 855-246-9034
TransUnion
Fax # 610-546-4771
Attn: Consumer
Contact Dept.
Equifax
Fax # 888-826-0573

10. “Item In Dispute” Continued
Include 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”

11. The Dispute Process

12. The Dispute Process

13. The Dispute Process

14. The Dispute Process

15. The Dispute Process

16. The Dispute Process

17. The Dispute Process

18. Let’s Wrap It Up!