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. These dispute comments will also come on come on when you dispute items that are fraudulent or related to identity theft.


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.

53 thoughts on “Remove Dispute Comments from Credit Reports

    1. 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

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

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

    1. 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?

      1. 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. 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 ?

    1. 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

  3. 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.

  4. 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.

  5. 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

  6. 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 [email protected] 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.

    1. 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

  7. 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.

    1. 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

    1. Hi Bobby, fax it if you’re able, if you can fax you may get a quicker response, as mail sorting time takes longer with the bureaus.

    1. Hi John, the removal of the inquiries may help with loan approvals, only if you are already at a high credit score.
      Keep in mind inquiries don’t affect the score a great deal, however, lenders look at recent inquiries unfavorably.
      Hope this answers your question.

  8. Hello Ali! For the last nearly 3 weeks, i’ve called all three credit bureaus regarding a few “disputed accounts”
    I have listed them to each agent with each of the bureaus, they agree to remove these comments and say the information will be updated on my account within 72 hours. I’ve found that each time I call for a status update, the prices has to be repeated and I’m going nowhere fast.
    Am I doing something wrong?
    My credit is fair. So I know my mortgage loan approval is not based on that, it’s solely based off the fact that my credit repair service inadvertently disputed these creditors whom I was amicably working with. Any advice?

    1. Hi Sharon, the bureaus are so notorious for doing this.
      I would say you file a complaint against each of the bureaus at
      they’ll take a month or so to respond and act.
      Make sure in the complanit list each account number and creditor name and state you want to get the dispute comment removed.
      Also it would be worth it to reach out to the creditors and see if they will at their end instruct the bureaus to remove the dispute comments. And if you don’t get any where with the creditors you can lodge a complaint against the creditors as well

      Hope this info helps

  9. Hello – I am closing on a mortgage, but cannot close because there is still one file in dispute process on Equifax, due to be completed by 10/8. We were initially supposed to close on September 28th, but cannot due to the dispute, which is the only thing holding us back. We live in the home we are purchasing, (we were leasing) but will have to move if we can’t get this stopped. They granted an extension on closing 10/8. Do you have any information on Equifax and whether or not we can remove disputes? one person said yes, and then others say no. I can’t get any clarity. Any advice you can provide is greatly appreciated. Thank you!

    1. Ok, I’d reccomend pulling a report directly from, it will come with a confirmation # and special phone # you can call for them to access your file. Tell them you have a mortgage pending and tell them you disputed the account in error and for them to cancel the dispute.

  10. I am 37 and have amassed $45,000 in credit card debt (over three cards). I have student loans, a mortgage loan, and an equity line of credit. I have never been late with any payments. However, I got a bit stressed with the high credit card debt. I almost filed for chapter 7 on the credit card debt only while keeping my mortgage, equity line of credit, and student loan payments current.
    What can I do to bring down the debt ?

  11. Hello, where can I get a free consultation for removing dispute comments, I can’t get a mortgage due to this

  12. I had credit scores of 350 (Transunion) 440 (Equifax) in January. I applied for a surgery loan in February and was not approved because of my low FICO scores. The debts incurred are from over 4 years ago and I live in California, what can I do ?

  13. I had credit repair applied to my account for one of the transaction. The issue was resolved. Will the bank or creditor remove the remark automatically as the dispute was solved or should we contact the equifax to remove the remark added to my account?

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