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What is the fastest way to remove duplicate items from my credit report? |
I know that I can contact the creditor to remove, but I would like a more efficient way/faster way to do this since it is one of the biggest impediments to the purchase of my first home...The last time I contacted this creditor to be sure that they marked my charge off as settled in full, it took them 2 years after settling to change on my report... I use equifax to monitor my credit, when i noticed that my student loan got bought out by another company it was listed twice on my credit report. I called equifax, they transferred me to somebody that handles dispute, told them what happened was off the phone in about 10 minutes. Two days later they fixed it on my report and sent me an email to let me know. If you contact the credit bureaus instead of the creditor it will change a lot quicker. I think the law is they have 30 days to fix it or it will be removed. Good Luck. You can dispute any incorrect trade lines directly with the credit bureaus. They will send the dispute to the creditor. The creditor has 30 days to respond. If they do not, the trade line has to be removed. Good Luck |
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