Question : What is the quickest way to dispute with equifax? And, how do I insure they are promt on my dispute?
Trying to get a home loan and something on my credit has put everything to a stop. The claim is inaccurate and is currently under dispute with Equifax...
- asked by Be Be
All Answers: Answer #1by fax, that was the same dilemma I had...took a few days to resolve but one thing took 2 weeks tobe fixed
- answered by Christine C
Answer #2
If you have already filed a dispute, all you cando now is wait. Equifax will forward your disputeto the creditor and has to give them 30 days torespond. Keep in mind that the creditor does nothave to provide any sort of proof. All they haveto do is say, yes that's right.If you are under atime constraint, you may want to dispute the itemwith the creditor at the same time. Send thecreditor a certified, return receipt letterrequesting validation of the debt to includecopies of contracts or other documents that provethe debt is yours. You have to give them 30 daysto respond.If they don't validate and the itemisn't removed from your file, send another disputeto Equifax with a copy of your validation requestattached, indicate they failed to validate. Thatshould get it removed.If they do validate, youshould have the proof needed of the error and candispute with the creditor andEquifax.Unfortnately, all of this will take aminimum of 45 days.
- answered by bdancer222
Answer #3
Give or take a month, the two answers below arecorrect. You can do it by fax, or by letter. Noway of knowing which one is the quickest.
- answered by DAS
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