The Professional Process for Removing Paid-Up Defaults
You’ve paid a default, but it’s still harming your score. Our service ensures it gets fully removed.
Paying off an account that was in default is a responsible step, but the negative listing of "Paid-Up Default" often remains on your credit report, suppressing your score. While regulations require this to be removed, the process doesn't always happen automatically.
At Dispute It, we manage this process proactively to ensure the default is removed completely, providing a significant boost to your credit score. This is a specialized administrative and legal process that must be handled correctly.
Why a "Paid-Up Default" is Still a Problem
Even though it's marked as paid, the historical fact of the default tells future lenders that you have previously breached a credit agreement. It acts as a negative mark against you for its entire retention period (typically 1-2 years). Removing it entirely is the only way to eliminate its impact.
The Dispute It Removal Process
Step 1: Obtain the Correct Proof of Settlement
The key to removal is the "Paid-Up Letter". After your final payment, we work on your behalf to secure this formal document from the credit provider. We ensure the letter is correctly formatted and contains all the necessary information that the credit bureaus require. Delays or errors at this stage are common when handled without an expert.
Step 2: Proactive Submission and Verification
We don't wait for the creditor to update the bureaus. We proactively submit the Paid-Up Letter to the disputes department of all relevant credit bureaus (TransUnion, Experian, XDS), creating a formal case file for the removal of the default.
Step 3: Managing the Bureau Process
Once submitted, we log a formal dispute for the removal of the default listing. This is not a standard "error" dispute; it is a specific request for removal based on the paid-up status under the National Credit Act's regulations.
- We track the 20-business-day investigation period.
- We follow up with the bureau to ensure they have processed the instruction from the creditor.
- We handle any queries or pushback from the bureau, using our knowledge of the regulations to enforce compliance.
Step 4: Confirmation and Report Update
Once the investigation is complete, the bureau is obligated to remove the entire negative listing associated with the default. We obtain a new copy of your credit report to verify that the removal has been successful and that your score has been positively recalculated. We provide you with this confirmation.
By professionally managing this process, Dispute It ensures that your responsible action of paying off a debt is fully and quickly reflected in your credit score, without the bureaucratic delays and errors that consumers often face when trying to do it alone.
The credit repair process is complex and requires specialist knowledge to ensure success. Don't risk handling it alone. Our experts at Dispute It are ready to manage your case and deliver results.