What is the quickest way to dispute with equifax? And, how do I insure they are promt on my dispute?

Question

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...

Answer 1

Give or take a month, the two answers below are correct.  You can do it by fax, or by letter.  No way of knowing which one is the quickest.

Answer 2

If you have already filed a dispute, all you can do now is wait.  Equifax will forward your dispute to the creditor and has to give them 30 days to respond.  Keep in mind that the creditor does not have to provide any sort of proof.  All they have to do is say, yes that's right.

If you are under a time constraint, you may want to dispute the item with the creditor at the same time.  Send the creditor a certified, return receipt letter requesting validation of the debt to include copies of contracts or other documents that prove the debt is yours.  You have to give them 30 days to respond.

If they don't validate and the item isn't removed from your file, send another dispute to Equifax with a copy of your validation request attached, indicate they failed to validate.  That should get it removed.

If they do validate, you should have the proof needed of the error and can dispute with the creditor and Equifax.

Unfortnately, all of this will take a minimum of 45 days.

Answer 3

by fax, that was the same dilemma I had...took a few days to resolve but one thing took 2 weeks to be fixed