re: UPDATE: disputed a non-paid Red light camera ticket credit report collection?

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You have ZERO to lose.

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Understood, I had a bit different issue. We are buying a house, wife has great credit, but about a year and a half ago, one of her student loans changed hands, and for about 6 months, the old company never updated the tradeline to show it had been transferred. So the loan balance was listed twice on the report, which was throwing off her credit score.

We tried calling the old company and they could give less than a care, so we disputed it. Within two weeks the balance had been reduced to zero with a notation that the account had bene transferred.

Six months later, we paid off that loan (now listed under the new company) and the report correctly updated to show no balance.

Fast forward to about three weeks ago. We are buying a new house, and the underwriter got into a tissy about a "dispute" on the credit report and refused to further underwrite the file until the dispute was removed. Even though there is no negative information and no balance. She had to write a letter asking the dispute be removed, and we had to pay $90 in rapid rescore fees.