How to Instantly Remove Dispute Comments from Credit Reports

I frequently see that lenders will often decline a loan, especially a mortgage loan, if there is a dispute comment showing on the credit report. Often they will ask for the dispute comment to be removed before approving you.  Today I’m going to give you the template to remove such a comment. However, DO NOT remove a dispute comment off a negative item unless a lender specifically asks you to. This dispute comment takes the account out of being factored into the credit score, so if an account with a negative history gets its dispute comment removed,  then the credit score may go down. Conversely, the score may go up if the dispute comment is removed from a positive account. This article contains the back channel contact information for the credit bureaus, a sample dispute letter along with instructions on how to get dispute comments removed quickly from your report. But first there are a few things you should know about dispute comments:


As per the Fair Credit Reporting Act( FCRA), anytime you question the validity of an account that shows on your credit report, either with the creditor or with the creditor, the account should be investigated by the credit bureaus and the creditor. While this investigation is taking place, the account ceases to factor into your credit score. Although the account will still show on your credit report, it will have a comment on it stating it is in ‘dispute’. Once the dispute is completed, the account will start factoring into your credit score again


Variation 1:” Account disputed” or “account disputed, investigation in process”
While either of these comments is present on an account on the credit report, the particular account will not factor into the credit score. Therefore, lenders normally want these two types of dispute comments removed, especially from negative accounts. If the account reflects the first variation of “account disputed,’ then the dispute comment may stay on the credit report indefinitely. However, if a re-investigation is in the process, it indicates the credit bureaus are conducting an investigation and within 30 days, they will either update or remove the account. In addition to this, the bureaus may change the comment to simply “account disputed,” which will keep the account from being factored into the score, or they may update the comment to show the ‘dispute resolved’, as explained next.

Variation 2. “Account was in dispute-now resolved”
The account will reflect this comment, following the completing of a dispute investigation by the credit bureaus. However, with this comment, the account will be factoring into the credit score. Due to this reason, banks and prospective lenders will not take notice of this particular type of dispute comment.


If you an account that is in dispute (showing a variation 1 dispute comment), but with a positive history, free of any late payments or charge-off or collection status on the credit report, then removing the dispute comment may result in a score increase.


If on the other hand, you’re removing a dispute comment from a negative account, then removing the dispute comment may result in a score decrease. But as we discussed earlier, you may need to do this as a pre-condition to get approved.


EXPERIANCall 855-414-6148 ( select options 2, 1, 2, 1 after you’re prompted for your SSN# and dob etc)

This will get you to a live agent. If this doesn’t work then pull your free Experian report at Experian report from or sign up for a account. This will give you special phone #s that change seasonally and a report id# to get through to customer service quicker. Tell them that you are purchasing a home and you would like for the dispute to be removed from some accounts on your credit report AND that you are no longer disputing those accounts. Ask them how long it takes for this to be done and if he/she says that it will take longer than a couple of days…. tell them that you are needing to move forward with the closing on your home and can it be expedited sooner.

EQUIFAX: Phone # 800-846-5279 (picked up by a live agent, but hold times are long )

Tell them that you would like for the dispute to be removed from some accounts on your credit report AND that you are no longer disputing those accounts. Ask them how long it takes for this to be done and if he/she says that it will take longer than a couple of days…. tell them that you are needing to move forward with the closing on your home and can it be expedited sooner.

TRANSUNION: Phone number: 800-916-8800. Extension 4 then extension 2.

This will get you a live agent. Tell them that you would like for the dispute to be removed from some accounts on your credit report AND that you are no longer disputing those accounts. Ask them how long it takes for this to be done and if he/she says that it will take longer than a couple of days…. tell them that you are needing to move forward with the closing on your home and can it be expedited sooner.



Instead of calling you may also write to the credit bureaus but this may take a few weeks to correct the report. Below is a sample dispute letter to remove dispute comments, use it and modify to fit your own words. Format to dispute as many inquiries as necessary. Send out the letter out to each of the three credit bureaus via certified mail or fax.  Enclose a copy of each of the following: SSN card (or anything showing your full SSN#), Recent utility bill (or page from a bank statement), State-issued identification.


Full Name

Mailing Address:

Date of Birth, SSN#

{If Sending to Experian: P.O. Box 4500, Allen, TX 75013} OR BY FAX : 1-972-390-4908

{If Sending to Equifax: P.O. Box 740256, Atlanta, GA 30374-0256} OR BY FAX : 1-888-826-0549

{If Sending to Transunion: P.O. Box 2000, Chester, PA 19016} OR BY FAX : 1-610-546-4657



To whom it may concern,

In accordance with the Fair Credit Reporting Act Section 611 (15 U.S.C. § 1681I), I am practicing my right to “UPDATE” information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the “disputed comments” on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with, or are no longer in dispute.

I am asking the dispute comment to be removed from the following items:

{Creditor Name} {ac# }

{Creditor Name} {ac# }

{Creditor Name} {ac# }

{Creditor Name} {ac# }

Once again this is not a request to investigate, but to update, so I expect you to update my file as soon as possible and not the regular 30 day period you’re allowed for disputes





In this case, you’ll need to call the creditor and especially ask for their ‘credit bureau department.’ If they don’t have one then ask for a manager. Let them know you are no longer disputing the item and you want them to make a notation of that and they should remove the dispute comment from the credit bureaus. Something to consider here is that if the account is an unpaid account, then you want to weigh your options about calling the creditor. Calling the creditors may encourage them to re-start collection activity now that you’ve propped your head up on their radar. Legally creditors have a certain amount of time to collect, also known as the “statute of limitations,’ Each state has its own statute of limitations for debts and collections, so before calling make sure if it’s a large debt you’re dealing with, that the statute of limitation has expired.


In spite of your best efforts if the bureaus don’t correct your report or if you’re seeking quicker and more effective results, then you can reach out to me personally at Imax Credit Repair, where we’ve dealt with the credit bureaus for over a decade and can modestly say we achieved the highest success rates in the industry with the credit bureaus.

Your comment and questions are welcome below.

Lastly, we have $0 upfront fees, charge only after results, and have a 5 Star Yelp Review Rating with fees starting at $849.

Contact me now for free consultation and estimate of fees.

I look forward to being of help!

Ali Zane

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Ali is a credit repair coach, writer, public speaker and consumer advocate for fair credit reporting practices. He's a practicing LDA in California Superior Court and currently serves as the CEO of Imax Credit Repair Firm.


  1. Abby Connors April 21, 2018 at 4:47 pm - Reply

    What score increase can I expect if I remove a dispute comment from a positive account ?

    • Ali Zane April 28, 2018 at 10:52 am - Reply

      Hi Abby, this really varies depending on how old the account is and what the balance utilization is. In a positive scenario, this could range from a 5-20 point increase, it would be towards the higher end if you have no or 1-2 positive accounts showing on your credit report already

    • Cameron Montana June 12, 2018 at 7:15 am - Reply

      Ali, thanks for sharing this, I had no idea that dispute comments on positive accounts may hurt my score. Super excited to get these off my report and increase the score!!! Do you know what kind of score increase can I expect if I remove the comments off two positive accounts?

      • Ali Zane June 20, 2018 at 11:40 pm - Reply

        Hi Cameron, super happy this is going to help you! As for the score increase, it varies from person to person and depends on how old the account is.
        Could be anywhere from 5-20 points if they are accounts that are 5-10 years old.

  2. George Carlton April 22, 2018 at 10:38 am - Reply

    So I have tried calling the bureaus and they say the creditor is not agreeing to remove the dispute comment. What should I do?

    • Ali Zane April 28, 2018 at 10:42 am - Reply

      Hi George, read the last part of the blog with instructions on how to engage the creditor directly. This should do the trick !

  3. Elva April 24, 2018 at 1:23 am - Reply

    How long will it takes for these dispute comments to come off once I have contacted the bureaus?

    • Ali Zane April 28, 2018 at 10:48 am - Reply

      Hi Elva, normally by phone the bureaus may take about 4-5 days, if you write in it may take 2-4 weeks.

  4. Jonathan Bean April 26, 2018 at 10:21 pm - Reply

    So I have a dispute comment on a Macy’s accounts that’s over 10 years old and no lates.
    Shall I try to remove it and should I do it by phone or mail ?

    • Ali Zane April 28, 2018 at 10:39 am - Reply

      Hi Jonathan, dispute comments on positive accounts should be removed, as the dispute comment keeps the account from factoring in your score.
      You can try calling first and if that doesn’t work utilize the dispute comment removal letter

  5. John Kleeman April 28, 2018 at 7:18 pm - Reply

    Thanks for sharing this Ali, super helpful! I’ve been trying to remove dispute comments to get approved for a mortgage and will try your suggestions here.

  6. Lutragen May 8, 2018 at 4:02 am - Reply

    Just wanted to thank you for putting this information out here, I’ve researched the internet for credit repair help and this blog by far has the most advanced techniques for credit repair.

    • Ali Zane June 8, 2018 at 11:05 am - Reply

      Thanks Lutragen for the very kind words of encouragement.

  7. Kristin May 10, 2018 at 7:48 am - Reply

    The above mentioned dispute removal comments can be quite handy for me thanks for the ideas.

  8. Joel Wescott May 13, 2018 at 11:50 pm - Reply

    Hello guys, while I was at Home Depot recently, I was offered a $7,500 credit card and was accepted. All thanks to Ali because they helped in repairing my credit within few days. Thank me later

  9. Andrew Persian H June 19, 2018 at 1:41 pm - Reply

    Can I use these tactics to get the actual negative accounts removed from the credit report?

  10. Alberta Davidson July 5, 2018 at 3:16 pm - Reply

    Hi, My credit score was around 545. I had a judgement from 2014 and charge offs so my credit dropped over the years. I could not get a better job and was rejected for mortgage loan 4 times. However, I spoke with a mortgage specialist about purchasing and her advice was to get my credit score up to 750 at least, because according to her everything i needed to qualify for a USDA loan was to get my credit score up. Now we have a home in Gaston County NC and I am with stable income!!! The decline in credit was due to pregnancy related complications leading to job loss in February 2011. I fixed my credit score with the help of Mastercreditfix@gmail com just in 2 days i’m at 791 now all thank to him. You all can reach him via his mail and free yourself from rent bills and unnecessary debts.

  11. john walker July 24, 2018 at 10:04 pm - Reply

    Can this letter be used to remove accounts related to identity theft?

    • Ali Zane July 28, 2018 at 12:29 pm - Reply

      Hi John, yes, but Identity theft and fraud related accounts will also need a Police report and an Identity theft affidavit to accompany the report and some other things to be done.
      Reach out to me and I’ll fill you in on this

  12. Jesus Gallardo July 28, 2018 at 12:20 pm - Reply

    Hello I’ll had try to calling Experian for a dispute comment removed, but call don’t go through is there another phone number or what should I do because im in process of closing for a house.

    • Ali Zane July 28, 2018 at 12:24 pm - Reply

      HI Jesus, try getting a report from for Experian and that should have a dedicated phone # for your report and a report # you can references. If that doesn’t allow you a report, sign up for an account at and that should give you special access to Experian customer service dept

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