Last month I explained the process I followed to dispute a derogatory remark on my Experian credit report. Experian told me it would take a month to resolve, and sure enough, when I logged on exactly a month later, I saw two alerts, that my dispute had been “updated” and that it had been “resolved.”
Commenters had me convinced I didn’t stand a chance
I encourage readers to go back and read the comments to my earlier post, because there’s some valuable information there about best practices in pursuing a dispute. The basic idea seems to be that as easy as it is to dispute items online, it’s just as easy for creditors to certify their original submissions are accurate, leaving you right back where you started, while if you want to make a creditor actually document their claim, you need to resort to an exchange of hand-written, certified letters. One commenter even suggested using non-white paper to get a better result!
But my dispute was resolved frictionlessly
Fortunately, in my case it didn’t come to that. My assumption is that the small credit union in question either didn’t know how or didn’t care enough to respond at all, so I won the dispute by default, the two sweetest words in the English language.
The status of the dispute now simply says, “This item was removed from your credit report.” Experian also allows me to view how the derogatory item was reported before being removed, which is a nice touch.
Disputing derogatory items online with Experian is so easy that I think it’s probably worth doing even for disputes you think will probably be rejected, but it’s obviously worth doing for well-founded claims and those against smaller creditors that may not have the willingness or sophistication to follow through with the process.
But be aware of the two-track online and snail-mail processes, since if the first doesn’t work, you may need to resort to the other.