Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Report
Profile Image

Question By
G1M3378

0 Contributions
0 People Helped
Sharing with you how i managed to dispute all authorized accounts from credit report
I'm doing this for my spouse to help him to improved his credit score. We found several authorized accounts (opened by his ex-wife before they get married) reported in his credit report and obviously carried some balance/outstanding debts. I google, digged and read all the related forums following by disputed all the authorized accounts with the bureaus (Equifax, TransUnion and Experian) by certified mail with return receipt request. It took the bureaus 2 weeks to removed all the authorized accounts. Now, be careful, once you disputed the longest activity account (regardless is individual, authorized or joint account), this will impact your credit score (dropped few points), but as long as we get the authorized account removed, no debts liability, we are happy. We are ready to re-build the good credit score by open a revolving account and monitor it, i'm confident we can improved the credit score in a month or two.

Tips for submit a dispute request:
-You must write a formal letter, include your address, credit bureaus address, your details such as name, ssn#, date of birth.
-The details of the item you want to dispute
- The reason why you want to dispute the item

With providing them the details in order, things get done and solved easier. Try and Good Luck to you all!

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Credit Karma Team
Top Contributor
2949 Contributions
5118 People Helped

Thanks for posting! Hopefully this is helpful to other members. 

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.