The fastest and easiest way to have this removed from your credit is to:
1. Pay a nominal fee to sign up for access to your credit report through Equifax. There is an option to "DISPUTE" any item that appears on your credit report.
Equifax is the only agency that I am aware of that provides this service. Most others will require a dispute to be sent in writing via snail mail. But with Equifax, it is so simple and allows you the opportunity to even explain why you are disputing the account.
If you sign up for an account through USAA.com they offer under "banking services" an option to sign up with Equifax for only $5USD, this includes your report, history and SCORE. Most other places will only provide you with your score for an extra cost, but with USAA.com you get everything for only $5.00/month, and you can refresh your report and score DAILY at no extra cost.
I love this service through USAA, but you have to be a member to enjoy these services.
My husband has disputed several items on his credit report and so far we've had 6 things removed!!
It's awesome, check it out! Hope my suggestions helped!
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