Collection items on your credit record may or may not be accurate. Even if they are correct, you may still disagree with the debt collector that placed the entry on your credit report. When this happens, the debt collector is required to mark the collection item as “Disputed” on your credit report.

However, you cannot have any things on your credit report marked as contested when applying for a mortgage loan. So, how can you have the dispute flag from your collection items removed? You write credit bureaus a letter stating that you no longer contest the collection item.

Is it lawful for a debt collector to refuse to remove a dispute flag off your credit report after you’ve resolved the issue? The simple answer is no.

If you contact us, we will launch a lawsuit against the debt collector on your behalf. When a debt collector receives our complaint, they usually engage an attorney to explain the facts of life to them, including the actual harm they are causing the customer by refusing to remove the disagreement flag.

These cases are being filed at a rapid pace. The defendants are required by law to pay our fees and charges. They are usually handled swiftly because the longer a debt collector keeps your mortgage from closing, the more emotional and financial harm it will create.

If you are having trouble with any of these areas and need help, we can help. Please send an email to

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