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Cardoza Law Corporation

How to Get Disputed Debt Off My Credit Report?

Uh-oh. Someone may have made a mistake - and it isn't you!

When you disputed this debt with your lender or collector, they became obligated to report it as a disputed tradeline to the Consumer Reporting Agencies (Equifax, Transunion, Experian).

Lenders, servicers, and collectors who report credit information are called "data furnishers" and use the e-Oscar system to report those disputes electronically, so, if you disputed a debt with data furnisher and that status hasn't been recorded on your credit report within about 15 days, you may have a case against the data furnisher.

Your next step is to send a dispute directly to the Credit Reporting Agency(ies) who are reporting it by certified mail, along with your (good) reasons for the dispute. They are required to investigate and take corrective action (if warranted) within either 30 or 45 days (depending on how you discovered the error). Keep all correspondence and if everything doesn't get resolved to your satisfaction within that time period, request a Free Case Evaluation!