How to Dispute an Error on Your Credit Report

How to Dispute an Error on Your Credit Report

Credit report errors are not uncommon. A Federal Trade Commission (FTC) study found that about 25% of participants found at least one potentially significant error on at least one of their credit reports. Common credit report errors include outdated personal information, mistaken or fraudulent accounts and incorrect account details.


You have a right to dispute credit report errors. Here are some important steps to consider in the process.

Step 1: Review your three main credit reports.

You are entitled to receive one free copy of your credit report from each of the three major credit bureaus (Equifax, Experian and TransUnion) each year. If you've already used up your free reports for the year, you can still gain access to them directly through the credit bureaus, but you'll likely have to pay a fee. You can view your Equifax and TransUnion credit reports for free anytime through Credit Karma.

Once you have your reports, you should review them for accuracy. In some cases, an error may not be reflected at all three credit bureaus so make sure to check each credit report carefully.

Step 2: Notice an error? File a dispute.

You can dispute incorrect information with each credit bureau or directly with the creditor that provided the information. Here are some pros and cons to weigh when considering either option.

Dispute Filed With
PROs
CONs
Credit Bureau
Credit bureaus must investigate errors within 30-45 days. This creates greater urgency for the bureaus to act quickly on your dispute.
Credit bureaus have a duty to share corrected errors with each other, but it can take additional time for the other bureaus to receive and process the change, which means you may want to file a dispute with each bureau for a quicker update.
Creditor
Creditors have to notify the credit bureaus they report to when they've provided incorrect information. This could save you from having to contact multiple places.
There are some types of disputes that do not have to be investigated if a dispute is filed directly with a creditor.

You could decide to dispute with both the credit bureau and creditor, which could speed up the process. Also, if you are unsure of which method to use, filing a dispute online usually requires less documentation since your account information is more accessible.

Step 3: Follow up on your dispute.

The credit bureau is required to investigate your dispute and will usually do so within 30-45 days of receiving notification of the dispute. The good news is that it usually doesn't take this long. "With the credit bureaus, about 70 percent of disputes are resolved within 14 days," says Norm Magnuson, Vice President of Public Affairs at the Consumer Data Industry Association (CDIA).

In most cases, the bureau will send information about the inaccuracy to the company or organization that provided the information, such as your credit card issuer or mortgage lender. The company will then investigate the dispute and report back to the credit bureau. About 15 percent of the time, the credit bureau doesn't need to involve the information provider, according to Magnuson.

If your dispute is successful, the company is required to provide the correction to each credit bureau it reports to. The credit bureau you filed a dispute with also has to report the results back to you and include a free copy of your credit report if there was a change made on it due to the investigation. If you haven't heard back about your dispute after around a month, you can contact the credit bureau to follow up.

Frequently Asked Questions

Do you have to pay to file a dispute?
No, you can dispute errors on your credit report for free.

What if a credit report with an error on it was shared with a third party before the dispute was resolved?
You can ask the credit bureau to send notices of any deleted information to those who received your report for employment purposes during the past two years or for any other purpose during the past six months.

What if the dispute is resolved, but the error is not fixed?
Once there is a decision on your dispute, you may agree or disagree with the result. If you disagree, there are more steps you can take.

Bottom Line

It's important to dispute incorrect information on your credit report because it can sometimes have a significant impact on your credit health and financial future. In some cases, it's also one of the quickest ways to make an impact on your credit score. To ensure that your credit reports remain clear of errors in the future, keep an eye on your credit with Credit Karma.

Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.

About the Author: Jennifer Micieli, CFP® is Credit Karma's Financial Expert. She worked as a financial planner for five years before joining Credit Karma in 2014. Jennifer works with the content and product teams to help members learn how to better manage their finances.

All Comments

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I just want to call to everybody's attention something VERY IMPORTANT I learned about accounts in collections, etc. ---- and the advice I I often hear on posts like these, where someone says,  "just call the lawyer's office to ask about it...." or "just call the company....", "just call the credit card company", etc.  That is NOT always good advice!!!!  That can be VERY BAD ADVICE.  The reason is, there's a STATUTE OF LIMITATIONS on all debts.  I think if it's a "written" agreement, like a credit card would be, then the statute is 4 years (could be different state to state, I'm in California). 

Anyway, after the statute has run, meaning after 4 years - FROM YOUR LAST CONTACT WITH THEM - they can no longer sue you for that debt!!  But!!......IF YOU CALL THEM (or contact them in any way) about the debt ....that date it STARTS THE STATUTE TO RUN ALL OVER AGAIN!!  In other words, from the date you called them -- they now have 4 YEARS from that date that they can sue you.  This is really important!! 

If, for example, 3 yrs and 11 months ago was the last time you talked to that debt collector, credit card company, lawyer, or anyone else that's tried to collect on the debt, or who you owe the debt to, then it's NOT in your best interests to call them....because they only have 1 mo left wherein they can sue you.  Whereas, if you call them, they then have 4 more years to try to collect on that debt & to sue you!!!

I'm not a lawyer, this isn't legal advice, this is just what I learned about the law on my own.  Hope it helps.

Reply by
Rose2woods

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WRONG!  Contacting a creditor does NOT restart the clock - only payment negotiations and/or can do this.

Reply by
Jaswars

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You are spot on about that. Great advice.

Reply by
CEFreeman

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Each state has a limit on debt collection, based upon the last contact you had with each other, as you said. 

Each state's limitation is different, though, for different debt types.

In a small nutshell, in Maryland, for example, after 2 years conventional debts become "time barred."  This means that although they can continue to harras for the debt, they cannot sue you.  This makes it pointless for them to bother. 

Keep in mind that each time a debt is sold, time barred or not, a new batch of calls will ensue. 

But the advice above is wise.  Don't call the company unless you absolutely know they're wrong and you have the documentation to prove it.

Reply by
bastian12

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While it is true that accounts can only be held useable against you for x-amount of years, the bank or other source you are liable to can--and usually does sell your account to a collection agency so they can collect pennies on the dollar for what you owe.  Once the collection agency buys your account, they can keep it open for collection indefinitely.  I am still getting calls for accounts closed from the 1990's.

Reply by
Smiliesim

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Like you, I'm not an attorney, nor expert.  In fact, I don't know a lot on this subject.  However, I've filed a bancruptcy (in CA also) and have learned a bit about "old" debt.  While I found your post enlightening, about the time statute renewing on the most recent date of contact, I'm not sure how accurate it is.  I do know for a fact, that your "4 years" is wrong.  It's 7 years for most debts and 10 years for others, before you're safe from being collected on/sued.  For some debts like student loans, child support, alimony, and court judgments there is no time limit-so you can be snet to collections/sued any time.  Regardless whether you've past the statue of limitations on a debt, while they cannot sue you or seek collections anymore, technically, you still owe that debt.  The only true way to have debt wiped from your record is to file a bancuptcy, and still not all debt can be discharged.  Now there are "4 year" statue of limititations, but those are regarding various time limits on when you can sue someone for other things, like medical malpractice (which is generally 3 years, depending on where you live and what you're fighting against).  Once again, however, if what you're otherwise saying about the "years" renewing when you contact them, that might explain why my attorney didn't want me contacting old debts regarding my current balance with them for my bancruptcy (I hadn't received bills in years, but wanted them listed in my bancuptcy regardless, which they were, with estimated balances).  Thanks, for the interesting post!

Reply by
MotherTiger

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Thank You, this seem to be very good advice.

Reply by
123mama4life

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I have paid off my debt but it is still showing unpaid. All my other debt's have shown paid. I am just waiting for this last one to show paid so i can buy a car. What else can i do?

Reply by
svppppp

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very helpful.  thanks.

Reply by
Alien92

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hello, my name is Travis meserve but I believethat there has been an error to my credit report. It states that utilities and fuel is a negative in my report. I am a 22 year old male who still lives with his parents, I have never had those kind of bills. My birthdate is 01/11'1992 can youplease correct this very important. Thank you for your time.

Reply by
Wingman2003

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So that is what happens?! I had a BK that was set to clear in one month. I inquired about the BK one month before it was to clear and it magically turned into ten years I read the BK and it stated that the bk could last 7 ""OR"" 10 years. 

Some times it pays not to inquire. I also complained to the hospital -who I tried to pay the day of service- told me they would bill me . I never received the bill . Only knew about a collection agency when I recieve a email from Credit Karma stating a collection for 100 dollars was on my report . a 100 bucks lunch money for the we and these clowns who have said they cleared this from my report still have not. they did however put a new more current date on my credit report. The thing has been "0" balance since I heard about it from Credit Karma. But 7 years later it still rides on my credit report.

Reply by
newspaper1

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Thanks for the information very helpful.

2 Contributions
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The statue of limitations is four years from when the last payment was made on the account. It does not apply to all type of debts. For example a secured loan. However, it should apply to credit card debt.

Reply by
pookiebear16

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Thanks for advice so if a realtor sues you in 2011 then the statue of limitations will end in2015 right?   what if you didnt yse a credit card and they say thta you owe thewm money on that card are you also saying that you shouldnt dispute it?

Reply by
CBoivin85

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Very helpful info! Thanks!

Reply by
Ksbryant1978

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Ive experience d this, In my case this information was accurate!!

Reply by
marieguzman

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I have had nothing to do with sprint for over 5 years now and they still have it on my credit alot of my other stuff has came off raiseing my score but sprint and a doctor bill are still there. How could I dispute it.

Reply by
columbus28

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thank you very much .......... I was considering contacting an agency to question an account. I think I will wait a few more months for the four year time frame to expire .....thank you!

Reply by
bootsgal

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I'm not a lawyer either, retired legal inv...you are right about the statue of limitations of the credit debt, BUT NOT THE CREDIT REPORT! I got excited too, when I did research, it showed in MS 4 years for the statue, reading further, that showed me BUT, NOT for a credit report to bump it off...don't ask me why...so I believe it is the credit bureaus with their little mayhem of 7 years...even if you did have 3 years...that is the time that the creditors have to get off of your tail...so you only have 4 more years left on the actual report! LIFE SUX!...if we were smart we would legislate for NO CREDIT BUREAUS at all...did you know that there weren't any when I was first born? Another history lesson for us all...yeah, we didn't want that, some lobbyist went after it for some big financial grouping and VOILA.....our lives are screwed up...they don't need to know all of our business....oh well, that's my take on this horrible experience of regrouping just for credit's sake!...

Reply by
LaceyBoy53

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My twinstar credit balance has been paid! Since the summer! I still see it up on my credit report as still being open & unpaid!! I'm way past ****ed off!!! I want it off my credit report NOW! I called grim collections and they told me that they called it in. Now I just need you guys to take it off my credit report! Thank you. 

Reply by
1LaidBackLenny

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I have one question ; If a collector is still calling 8 to 10 years, how do you stop them ?

Also, I have a dead file in my report. Its been paid for 5 years !

Its still listed as " In Collectin " !! How do I get the **** thing off my report ?!?

Reply by
Appleofmyeye321

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Thanks so much, so if the statue of limitations expires is there a way to get it removed off your credit report? In California

Reply by
matt301982

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How does this work for mycase.. I lived in NY for most of my life now live in PA. What if theres something on ones report from 5 years ago and u havent spoke to them in at least 4

Reply by
justarose123

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yes I kept recieving a notice to pay balance og a little over a thousand or they would take me to court. I had just been in a car accident and became disabled. But in good faith I asked if I could make payments on the balance= no Then I would pay only $419.00 and remainder pof balance is forgiven again I try to recitify the situation. I had lost my house, my car, my job but nope they would not work with payments still. Seems to me if they had they would of been paid by now, Rita

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3 years is the statute in Louisiana.  

Reply by
lfm1948

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Four years in Iowa. Not seven or ten.. For credit card dept it is four years....Each state is different so you would need to check with the state you life in to know for sure.

Reply by
klearkredit

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Thank you!!!  Like you, I too had to learn this the hard way.  Again, thank you for putting this in writing an making it so clear and concise.

Reply by
menace22

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I paid a hospital bill using an option that allowed me to pay a lower amount. After completing the transaction I was given a reference number for proof of payment in full..I was told that I would receive a confirmation number via mail, but never received anything. Now, a few months later, a collection agency has been contacting me about the same hospital bill that was suppossed to be paid in full. I haven't been able to find the proof of payment I need.Who should I contact, the hospital, or the original debt collector's ?

Reply by
Tankerpug1

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Disputes?  Contact the Consumer Financial Protection Bureau. 

Reply by
keefer1969

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you may want to read the actual statute concerning debt in your state.  My state is 6 years but states you must admit to/pay on  the debt. also statute is 6 years here. Calling to dispute a debt is almost always in your favor as far as statute of limitations.

Reply by
ahlitah

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Yes but if they call you after the 4 years is up then put the debt back ON your report what then?? Something over 13 years old popped back up on mine this week!

Reply by
jbm7178

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The statue of limitations can be found on BANKRATE.COM. And yes, in California written agreements have a limitation of four (4) years. That IS a real FACT!! In some cases contacting the collector can "restart" the clock, but not all. Be smart about what you do when you dispute something on your credit, do your own research and get answers from people YOU trust, I could be the difference that will make or break your bank!! 

Reply by
Biskit35

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Awesome thanks cause I was gonna call these people Monday that are almost 7 years in TN that is the statute of emulation. I would've messed up big time cause they almost ready to come off anyways. But one that's over, do you know what happens with your score? By chance???😱

Reply by
melissa202

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what is this

Reply by
llk712

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You can contact the creditor, just do not discuss payment arrangements. I know for medical they can only collect for four years, other types of creditors are generally 7-10 years.

Reply by
girls8345

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Wrong....

CreditCardLies.com

It's only if you agaree to any type of planment...

and if you  agree its your bill....Verify all debt no matter why it is, NEVER say it your debt...and never agree to any payment. 

Reply by
Tellmemore2

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Thank you I appreciate that information; that's good to know.

Reply by
grdone12

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What if they call you

Reply by
aitek

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I know this and I tell people this all the time. I even tell them that if the collectors call they should never tell them who you are.

Reply by
catchik

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THE RESTARTING OF THE DEBT CLOCK ONLY RESTARTS WHEN you admit to the debt as being valid.  Whatever you do....DO NOT admit that you owe this debt!!!!    They always record your conversations, so if you have to, talk to them in hypotheticals!!   Watch what you say....they will try and get you to admit that the debt is yours....therefore, restarting the clock!!    Read this info in "Kevin Trudeau's" book about debt.  Good book!!

Reply by
mlm1079

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You are correct...the clock starts over again when you contact a debtor and make a payment. On the bottom of your letter, it will state that you have 30 days to dispute the debt, otherwise it will be considered valid. We disputed a very old debt from very early 2000's via certified letters and they eventually dropped it. My ex is a collector and he had a lot of great advice for us...

Reply by
larhonda

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The Statute of Limitations on debts with a written contract (in California) expires 4 years from the DATE OF YOUR LAST PAYMENT. Creditors and collection agencies CAN sue you for debt that is past statute (you can sue anyone for anything), that doesn't mean that they will be successful. If you make a payment on a debt, even a debt that is past the Statute of Limitations, THAT is what restarts the clock on the Statute of Limitations. 

If you are sued for a debt that is past the statute, your defense is that the Statute of Limitations has expired on the debt (be prepared to prove that). If you ignore notice that you are being sued on a statute expired debt and don't show up to inform the court that the debt has expired, per the Statute of Limitations, you will lose by default, and a debt that you wouldn't have had to pay, will now be a judgment against you.

I am NOT an attorney. I am someone who has, unfortunately, had to deal with debt collectors. Things worked out well for me. Knowledge is power!

Here's a link that may be of help. I recommend looking up the actual statuted for yourself...

http://www.nolo.com/legal-encyclopedia/statute-of-limitations-state-laws-chart-29941.html

Reply by
Hilly609

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Statutes of limitation is from the last time you payed them

Reply by
hcorvo

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Thank you that help

Reply by
JustE2u

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This is absolutely not true. It is called "re-aging" an account and is against the law. People also think that making a payment or payments on a collection account will also do this and it is also illegal. The statute of limitations begins from the last date of payment. The Statute of Limitations vary state to state and means the length of time you can be sued for re payment of the debt. The date you open the account is completely irrelevant. Collectors may collect on the debt FOREVER as long as you owe the debt, however, it can only remain on your credit report for 6 years and 9 months approx. but no longer than 7 years. Know your rights, and check with your state's Attorney General, the Consumers Financial Protection Bureau, Better Business Bureau, Federal Trade commission, and know the FDCPA. Good luck!

Reply by
janettes2

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Helpful thanks.

Reply by
jmnorwood

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it is not 4 years since you talked to them, it is 4 years since you last made a payment.

Reply by
MeMyself01

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What if they call you with the pretence of being a alarm company or a business ?

Reply by
pduetto

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You have it slightly wrong - though it is a good heads up.  I am an attorney.  You can bring the debt back and rescue it from the expiration of the statue of limitations by making a fresh payment.  Just reaching out will not do it.  What is important is that you know the SOL in your state.  Once you figure it out, determine when was the last payment made on that account.  If more time has passed compared to what is the SOL for your state for that type of debt, then write the reporting bureaus and demand they remove it from your report as the SOL has run.   

Reply by
suzyq2015

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I have a derogatory collection on my credit that is going on 14 yrs old.  I think it is about time to let it go.  I don't even know who the original debter is.  It keeps getting bought by other collectors.  I wish there was a way to take it off my credit report. 

Reply by
Itoldyou

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That information was very good, thanks so much for that valuable information. Is good to know what can be done on those situations. Your info is like saying BINGO!

Reply by
Presey

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Thank You Very Much!!!I'm in California too, Thanks Again!!!

Reply by
bigmo47

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I believe its 7 years not 4 before a derogatory info is removed from your credit report and yes your right about the timeline for collecting credit card debts. If you contact them the statue of limitations does start all over again so beware!!

Reply by
mexcavazos

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Your advice is spot-on.  DO NOT CONTACT a debt collector because it does play a factor with the statute.  I went to law school and know the law.  Also, debt collectors cannot threaten you with anything so just ignore their phone calls until the debt disappears.  I once owed seven thousand on a car that was stolen from me and destroyed.  The company wrote it off but sold the debt a few years later.  The buying "creditor" balloned the debt into seventeen thousand and trid to harass me into paying them.  I just sat ignored their calls and sat out the last year until it was COMPLETELY REMOVED from my credit.  Thank god I know the law.

Reply by
BekahBoo80

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This is in response to 'Smileysim's' reply.

The 7-10 years is correct for debt / bankruptcy situations however the statute of limitations is different (depending on the U.S. State in question) for the ability for someone to sue you for debt owed. [being sued and it being removed from your credit report can be two different things]

Reply by
Donnamite

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I just wanted to comment on 4teamon's post.  That's not how the Statue of Limitations works.  It's not from when you talk to someone, it is based on the date they receive your last payment.  From that day forward if you don't send any more money that's the date the years start.  In Texas which is where I'm at it is 7 years.  So if I made a payment 1/1/2000 and made no further payments on that account then 1/1/2008 I would know they couldn't do anything further against me like sueing me however they will continue to call and try and get money up until either the account gets paid or you die.  I have a credit card I got back in 1977 when I was young and didn't know what all of life was really about, but I never paid the complete balance and to this day 1/13/2015 they call me, and send me collection letters.  However after the first 7 years was up they card was taken off my credit report and I have no fear of ever being sued by them.  In fact I just got a letter from them not to long ago wanting me to open a credit card account again and that I was guaranteed approva.

Reply by
RobHuck

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I like help

Reply by
badreporting

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Enter Your Reply  My report says I have a Repossession for my auto. the auto was impounded but I paid and got the auto out of impound. My credit union, which I was financed through and still paying for the auto, reported the auto as a repossession. Fact is they said because of the impound the auto had to be refinanced. I have been making payment every month. The credit report shows the account current but it also says the account is closed. the credit union is not reporting my payments. I went from an 18k loan to only oweing $102.00 presently. I have paid for this auto twice, missed no payments. yet my report shows "closed account" and "repossession". its a lost cause to file disputes or to try communicating with credit bureaus. I'll just live with bad credit.

Reply by
confidant1

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4teamom,

In regards to the 4 years you speak of, my understanding is that after 4 years they cannot sue you on non collateralized credit card debt, i reside in florida, so that sounds like the law is the same in california so you would be right, good research job. I might add that florida is a debters state and lot's of wealthy people move here to escape old debts like OJ Simpson for one his cival lawsuit for 25,000,000 was never paid. 

Reply by
TomInBigD

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Hey, I just wanted to take a few moments to reply and say a very gracious THANK YOU! for this information. It makes a great deal of 'common sense' but I wouldn't have thought about it in a million years! I'd have just called whoever's offices and been trapped. So, thanks again — I suppose that's a million and 1!

Tom S. — Dallas, TX

Reply by
smmrlv4

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So very very true don't contact them unless You plan to pay the debt in full . Great information , Thank you !!!

Reply by
kbitar

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Enter Your Reply  Very true.  In Washington state it is 3 years.  

Reply by
Nmjanssen84

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do u have any idea about the statue of limitations in north carolina. i have a eviction on my record from 2007 and its not off my record yet

Reply by
princeilly

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The collection will be removed 7 years after the date it first went in collections. You can talk to them every day if you want to but the only thing that starts the clock all over again is a payment of any kind-then the 7 years starts from date of last payment. One helpful thing to do is see when you last paid the account-and then the 7 years starts from that date. If the creditor is reporting a later date then dispute that and it should come off 6 months from the date off last payment example-DLP is 5/2008 so 6 mos is 11/2008-it will be removed if you've made no payments during that time, on 11/2015. so making sure that date of last payment is correct will be helpful for old debts.

Reply by
guastellap

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This is not quite true. The only ay, legally, the Time can resume for collecting a debt past the Statute of Limitations is if a  consumer pays something toards the debt. Ifyou owed a $ 100.00 and it was over the time limit of Statutue of Limitations and then pay $ 10.00 towards that debt, the debt is then enforceable and collectible. But it should not be if you just contact the collection agency and/or attorney representing thm. There is nothing in the codes of the 50 sttes or the FTC that allows the meter to start all over again for just contacting a collector and/or ttorney for an outdated bill.Enter Your Reply

Reply by
aliciaj47

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U r absolutely right! In Philadelphia the statue is 7yrs. I have one item om ny credit report that expires this month (2/16/15). Not even going to try to dispute it. Just going to wait and have it removed. Another one from 2009, that should have been removed. GREAT Advice for pple..... Keep u the Great work.

Reply by
tcarroll7

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You can call yet if you agree to payment that's when you time starts over. Its OK to get info about you debts just don't agree to anything.

Reply by
Julana

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I'm not as concerned about the Statute of Limitations on being sued. I'm more concerned about how long they can report the debt to the credit bureaus, and that depends on what type of debt it is. But you are correct that once you've re-established communication of any type with the creditor, the time that they can continue to report to the bureaus, does start over.

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acool40

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Enter Your Reply THANK YOU!

Reply by
ajterrell110

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Hi 4teamom you are mostly correct. Again I am not a lawyer yet but I did work for a debt collector in legal. Canning about an "alleged debt" will not toll the statute of limitations. Acknowledging the debt via phone, mail or payment will though.

Also debt collectors have to prove said debt is yours. Do they own the account or are they just servicing it? Own it? Good show me the purchase agreement showing you bought this. This is the debt collector holy grail and are very reluctant to give it away. Also they need proof of the last time you acknowledge the debt. No proof of those then you can sue for FDCPA VIOLATIONS. Hope this helped a bit. Good luck all

Reply by
Tracy212

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I've read through a lot of the responses and the issue I am having is that the statue of limitations in my state is 7 years.  However, there are 4 collection items on my report that are years beyond the 7 years in which these accounts should have been removed my report.  However, the collection agencies keep resubmitting the items with current open dates.  Ex. I received an Experian and Transunion credit report about 6 years ago.  One (I can't remember which) gave the approximate date the iems would no longer appear on my credit reports.  When I look at my Transunion report today, each of these accounts are showing open dates that coincide with the dates when these accounts should have been removed from my credit report.  Also, on the letters being sent to my home they sates the SOL has run out and they can't sue me.

So my question is, is it legal for these collection agencies to keep changing the account open date so these items remain on my credit report?   

Reply by
feline911

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Why do we even have to go through all of this Red Tape to dispute any thing posted incorrectly on our credit report This is ridiculous that we would even have to go through all of your instruction in disputing something on our credit report? I personally have paid all of my debts on time & for years! Now I have to go through some thing on my report that is not mine!.

Reply by
Asvp787

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Your information is very helpful.  Do you know what the "statute of limitation" on medical debts is? I am showing some of those on my report since 2008 and am thinking I should be able to have those removed.

Reply by
revmarc72

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Unless of course that the debt is too old that they really can't do anything about.  In my case they contacted me for a debt I had from 15 years ago that I don't even remember. It was really funny when I said you know the statutes of limitations should have ran out on this over 15 years.

It is hard to collect a debt that someone disputes let alone wantes validity for. If they can't prove it after 15 years I am thinking that even a judge is going to say it's null and void.

Reply by
justmesuds

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have 2 small  med coll and 5 years now i have   tried and they still do othing  cann i sue them..........

Reply by
jahu9800

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So does that mean I shouldn't send them a dispute letter?? I live in Texas

Reply by
38mark67

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Statute of limitations being 4 years means what? I worked with a 3rd party to clear my debts on 4 credit cards. The 4 have been paid as the agreement between the credit card companies and the 3rd party. It's been more than 4 years and it's still showing up on my credit report. Citi bank is the worst, every month there is a hit on my credit report because it was paid in full as pee the agreement. Citi bank states that my account has been in collection and lists the original debt and the last payment being the amount agreed upon. They post this on my credit report every month, even though it's been paid in full according to the agreement. I've also received a tax statement, since you now have to pay tax on the difference between what you owed and what your debt was settled for. I thought after that they would stop posting it every month on my credit report continuing to affect my scores and limits my availability with other cards I have. WHAT TO DO??

Reply by
sjsabin

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Or here is a thought, how about you pay your debts...??  Interesting concept huh?

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pebbles5120

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Enter Your Reply The statue runs from the last payment that was made on the account not just contact, that's what Suze Orman says. She had each states statue of limitations on her website 

Reply by
eddiefl64

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Enter Your Reply You are incorrect that simply contacting the creditor "resets" the clock. No it does not. If you make ANY type of payment. that payment WILL reset the clock. If you are very close to the statute for your state, it is probably better to let the statute run out for a couple reasons. (1) You can no longer be sued (2) If you're going to repay the debt, you have a better chance of offering a settlement far less than the actual debt because the collector/creditor can no longer sue you and more likely to accept something rather than nothing at all. It is also worth noting that just because the statute of limitations runs out, and they can no longer sue you, they CAN continue to attempt to collect the debt via phone calls and mail notices. 

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Reply by
stgcret

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The time clock resets only if you pay them a single dollar.  Never give electronic access to your checking or savings...they will wipe it out because "THEY LIE"!

Reply by
kn1085

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So I have a question.. if it has been over four years and they are still trying to collect the debt from me but I have not contacted them or the attorney then how do I dispute it to get it off my record?  I'm not trying to get out of paying what I owe but I don't owe on this card. It was stolen and was ran up and I reported it but because it was used in a town less than 25 miles from me they said there was no proof it was not me using it and I was responsible. The limit on the card was 4,000 and after fees and late payments because I refused the total is now over 11,000 and I'm not paying that so I started ignoring them.. and 5 years later here I am. 

Reply by
bermudezd

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That statute of limitations is not contact time it is from the date that you last made a payment to them. I am also in California and I have learned this through hard times. I was sued by two credit card companies and when I went to court I showed the last payment made with a canceled check and the date that it was cashed out by Chase and Capital One. That is when the statute of limitations started. In court this proved to be their downfall and I was able to get those collections removed from my credit report. I am not saying that this is all great and all it sucks that I was unable to pay my bills due to a job loss but I tried to work with them and they decided to sue me. 

Reply by
surferjohn54

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I"ve been sued several times by credit card company's attorneys and it's over 7 yrs. old and not on my credit report. If you ever owned it, they can sue you...

Reply by
38mark67

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It's called "Re-Aging" Debt.  Here is the law regarding Re-Aging Debt, it is readily available according to you in the state you live in.. You can use a government source, or legal library, and believe it or not, Google.  However Google does have the limitations of some states incorrectly listed. 

Re-Aging can happen if you pay any amount on a credit card that is currently in default.  It's also Re-Aged if you acknolwge the debt with the debt collect or the original company that assisnged the credit.  Keep in mind, the statue of limitations, which by the way is a GUIDE and can be altered in many states by the Judge states, there is no exact start of end date, in most states it's 4 years, Deleware it's 3 years and California it's 6 years. 

However if a credit card company or debt collector can prove in court that you either attempted to make payments arrangments or set up a payment plan, the Judge can determine the date that the Re-Aging will apply at that last communication.  This is a VERY slippery slop.  In some states you are responsible to proving the aging of your debt. If you are not prepared or have evidence of bills or collection notices etc, then the Judge can either side with the credit card company and use their dates or allow the statue of limitations to apply, he can even extend them if he so chooses.  Normally if your debt is considered "within reason", the judge tends to side with the statue.  Now if you owe $45,000 I doubt the judge is going to let you walk our of court with no stipulations.  Exceptions in court cases are also listed in the law that pertains to your state.   

In additional, if you are mailed a certified letter regarding that credit card debt, the date you signed for receiving that certified letter can be used as the Re-Aging date. The same is true if they send you a Fex-Ex document that you have to sign for. That date can and is usually used as the Re-Aging Date.  

The most interesting part of the statue of limitations is that once you've legally met those limitations, you will still owe the debt.  The statue is designed to product the consumer of excess harrasment by creditors. It means that the government and/or legal agency can no longer support the creditor when threaten you with garnishment, harrasement, sue you or threaten you with jail etc.  It can still be listed monthly on your credit report until the debt is satisfied.  Best or Worst case senerio,  when a credit card company chooses that the debt can not be collected, or isn't worth any more trouble,  many creditors will use the statue of limitation to stop trying to collect, they post 1 final post on your credit report and then they move on to bigger fish.   You'll then get un update on your credit report stating that the particular creditor has now been removed from your credit report.  That's nice. 

Reply by
38mark67

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4teamom, you are correct, anything written can definately change your ReAging date.  If you sign for a certified letter or fed-ex, if you send a letter or reply to one.

This information is available on line at most city government sites in addition to Google, however google doesn't have the correct timelines on certain states.

And the Re-Aging state is not carved in stone if a judge see's fit to alter it based on a particular situation.  There are several examples of that at the same site as well. 

Reply by
babygirlx6

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Enter Your Reply Thank you for posting any and all infor mation is helpful!

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donja34

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I noticed that a debt that I incurred has a new date on it and I have not talked to them. How do I prove that? If the statute has run out and they just change the date so keep it open, I am not sure how to go about clearing that off.

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Rojalocamona

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Yes you are right that happened to me tooEnter Your Reply

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guastellap

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Enter Your ReplyI am sorry but this is erroneous. The statute clearly stes four years in Claifornia and no amount of contact will, as you stated, start the clock from that time forward. It is simply four years period. And I agree, what point should anyone have to contact any attorney or past due creditor?  It is not to a persons advantage to contact anyoen associated with a past due balance. 

Reply by
cattleprodf13

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Enter Your ReplyThis is absolutely not accurate. The debt does not start all over again once you talk to a debt collector. Only when a debtor re-affirms a debt and makes a payment arrangement or a payment does the time cycle start over. Be very careful if you decide to file either Chapter 13 or 7 bankruptcy because some creditors will ask you to reaffirm a debt (such a car loan) and then you are stuck. Your bankruptcy attorney can generally negotiate a better interest rate for you even though you've signed a contract.....but only if you are not upside down on your loan to value on the vehicle. Bankruptcies stay on your report 7 to 10 years and in most instances 10. Judgements can remain indefinitely so if you've had one or more defaults and you cannot pay those debts....consider bankruptcy. In some cases you can keep your home and car and if you are over 60 years of age you will be allowed a homestead exemption. You don't lose everything in a bankruptcy contrary to what others may tell you. Carefully consider your options and get a free consultation with an attorney. That's a starting point. While rebuilding credit after a bankruptcy doesn't happen overnight....it does give you a clean slate to start from. You generally can get a credit card soon after but use it very wisely and pay and you go. It should be a rebuidling tool only. Some states allow you to buy a car before your bankruptcy is even discharged....some with no money down and from reputable dealers but you need to have verifiable and steady income. I believe it's easier to rebuild credit with bankruptcy than it is trying to heal old wounds. And...the phone calls stop as soon as you 'file'. Set up a file for your bankruptcy papers and the final discharge. Some businesses will want to see the discharge letter although the bankruptcy and discharge are public record. Government loans and government debt (including parking tickets) cannot be discharged so get those paid off as soon as possible. 

P.S. One thing to watch for is when a debt has been sold from one collector to another. One debt may show up as multiple debts on your credit report but if the original debt was reported 7 years prior it is your responsibility to contact the 3 credit reporting agencies and let them know the debt should have fallen off your report (that is if you've never reaffirmed the debt within 7 years).

Reply by
TriciaM1

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You are absolutly right  look at the libray for the book call the fair debt collection practices act for your state and it will tell you what rights you have. I used to own a collection company  I should know....

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TriciaM1

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Enter Your Reply

Reply by
Deeejay133

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Thank you for your input.  I am not sure about "restarting the clock" simply by contacting them.  However, I found out the hard way that a "collector" can come in at the tail end of an account in collections, buy out the account (for pennies on the dollar), and start the clock all over again. This occurred many years ago (and I hope legislation has passed defeating this).  Has anyone heard of this issue before?  It became a very "heated" subject with the collector and I, and eventually, I never heard from them again, and the collection disappeared from my credit report.  It was medical of course..........

Reply by
cbreducation

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you are not correct the SOL 'statute of limitations' is from your last payment to that said creditor

Reply by
recordman47

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This is true, I had a very nice woman at a collection agency tell that very same thing. Ya she was def not supposed to tell me that one.

Reply by
happybaby8

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I used to be a collector. I new the( DCPA) aka Debt Collection Practices Act. I know if you inquire about a collection that's on your credit report, It then starts your time over. There was also two types of collections. One was Cold account which meant the account is hard to collect on. Other one is hot account, They get tagged for a law suite. That's usually less than two years old. 

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lmininni07

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Enter Your Reply wrong

Reply by
garj14

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file  bankruptcy  chaper  7

Reply by
lori19592011

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This does not always hold true. If another company buys the debt, it can start again. I have had that happen.

Reply by
Daniboopstoy

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ThanQ. Great advice. ;))

Reply by
dangeleyes1263

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Thank you, this is very good advice.

Reply by
conwayscore

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thats BOLOGNA!

Reply by
chukydurn

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Enter Your ReplyThis does not apply to banks. They have 10 years and collect intrest for each year that you owe them. My husband owed the banck for NSF that I was not awerea of. After  he died the bank came back on me and took me to court The judge not only made me responsible for his debt of $63.00 but also for the bank fees for the peiord that it went unpaid. take that time 6.55 a day for 8 yeard and it is a real whooper. Idid not have the thousands of dollars they were wanting so they took every penny I had and prvented me from having any accounts anywhere. The banks atorney talkd with the judge andthe bank and got them to settel for $700.00 that I paid just to settle my dead husbands account. that was a far cry from the 63 dollars originally owed by him.But thd judge said they could come back on me every ten years or sooner if they so choose to..

Reply by
kaylove315

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this is absoultly true!! except here in nc is 7 years.

Reply by
mansmommie

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yes this is true, I an a witness to your debt starting over.

Reply by
vonetta1124

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This is true, if you contact them even to discuss the account they can start the process all over. I've learned this first hand.

Reply by
Blacksmithgirl

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it's true it's happened to me.

Reply by
avonjackson

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I have also found this to be true in dealing with these types of issues!

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It is amazing how many people on this section think Credit Karma can do anything about your credit issues.  They are just a clearinghouse that presents what the CRA's have on file. Please STOP putting ypur personal info in this blog for ALL to read.  Order your credit report and dispute all the wrong info to the credit company and also to the 3 Credit Agencies.  The address to every creditor is on your credit report.  It will take months but start with one and work your way through it before going on to the next.  They have 30 days to answer you.  Ask the info be VERIFIED or removed.   Most companies will choose removal because verifing is too much work.  

ALSO - the guy that is upset about all his past closed store accounts - closed accounts - paid off or not - hurt your credit. And ask the one company who you paid late to just once to change that report based on timely payments for the year after - they will do it as a "good faith" favor to you - you just have to ask.

Credit Karma Team
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Hi msdebello,

Thanks for reading. We appreciate your helpful reply! 

Reply by
Genie66

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You want your dispute VALIDATED. Anyone can verify information you need the debt to be VALIDATED and you needy to know the last DOLA ---date of last activity. Then you will be able to get it removed quicker not to mention you can figure out when the statue of limitations runs out on a debt. 

Reply by
gingersue22

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You all have no idea how good this information is... one night a few weeks ago i got a call from the tax advisor at about 11:00 pm explaining that our return was going to be delayed for my husbands SS# has been used to file a return with already.  The next Saturday I got a letter in the mail from a company whom once was the provider of our home lone but sold it. The letter stated that my information was compermised in a situation at the company any how sorry they were and so on.... now I am not a person who has a bunch of credit cards or anything of the sort. I have a house payment and use my debit cards and due to being bed bound I shop on line. 

Reply by
audiegoo28

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SO your saying just send them a letter and ask them to verify the information or for them to remove you...does this work if someone buys out the credit card out?

Reply by
needahelp

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Enter Your Reply   This really made sense to me.  I'm actually experiencing this problem as far as past closed accounts hurting your credit.  Although, they've been paid in full, they are preventing me from being approved for a loan to buy a home. I truely hope you are correct about a "good faith" favor because thats gonna be my next step. Thank You! I pray you are right!

Reply by
apachefl

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This may be true for some creditor's, but if you have Chase they have no "good faith."  I have not been late in three years and they will not remove the lates.

Reply by
Mcgheech

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"Enter Your ReplyAnd ask the one company who you paid late to just once to change that report based on timely payments for the year after - they will do it as a "good faith" favor to you - you just have to ask."

This certainly is a good idea and I'm certain it must work sometimes. n 2009 apparently I had ONE late payment with Commenty Bank

I have been trying for months to get a derogatory remark removed from my credit report. Apparently, I missed one payment in 2009 with Comenity Bank. Clearly I paid it (with interest/late fee, I assume) because my account stayed open until I closed it several years later. When I speak with Loft/Comenity Bank personal they say they "can't do anything because our records don't go back that far." What?? When I speak with the credit agencies they say they can't do anything because it is accurate. I have to assume it is - it was 2009 and it must have been a "late payment" not a "missed payment" because there are many, many payments after that. I am so frustrated by this situation. If ANYONE has any ideas about how to proceed to a favorable solution - please post.

Reply by
rcjim1972

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You have the right to your opion but not to everyone else so if you dont like this than dont read them plan and simple!!!!!!!!!!!!!!!!

Reply by
rcjim1972

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than dont read them anymore plan and simple dumb ***

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I saw above a comment that read, "Sorry to hear what happened. I have some experience in the financial area. Send me all of your information and I can help you". 

Dont send your financial information to someone YOU DON'T KNOW!!!

Can I say it any plainer.

Reply by
MegJess

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I totally agree with you!  To give someone your information just because they have experience in the financial field is plain dangerous-they may also have experience in the fraud field too!!!  That's like hiring someone to be your accountant/financial manager and sending them all of your money in the hopes that they pay all your bills and keep you organized-a HUGE NO-NO!!!

Reply by
browneyestoshiba

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Hello I'm having some problems on my credit report there credit cards from dec of 2005  for over $1401.  I was in the hospital and had just given birth to my son so how did I apply for a card for the dates in question. I don't even know the company. What should I do

Reply by
gmaxwell01

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You can dispute anything, even if you do not know what it is. You have to get a formal credit report, I recommend TRUECREDIT.COM. CreditKarma.com is awesome but they sometimes do not have detail information on the creditor. On your credit report it will list the creditor and their address, its the law.  Write a letter and mail it. If you are not sure what to write, a phone number will be on the credit report as well. The creditor is required to give an address and a phone number for the consumer. 

Reply by
Genie66

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OMG! NEVER send your information to anyone. Sounds like a major scam. WOW! Can't believe that person had the nerve to say SEND ME ALL YOUR INFORMATION .........NOT!!!! Don't do it. 

Reply by
jackierabbit

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i wish i have read this years ago. i have a issue and i contact the credit union and they gave me the responce that i was on other loans with my x husband.  he went out and did a debt considation without my knowledge the credit union keep sending me this form to sign and i would not so what they do now is keep put it on my credit report which they know this items shouldnt be up and whats so bad this account was handle in a class action suit and i sent the credit bureau a copy of the letter which statement i wasnt responsible for this account and still today 5/8/2015 credit bureau still has this account on my credit report.

Reply by
onlyme1163

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The problem is even after the time for the creditor to sue for the debt has run out they then sell your debt to a collection agency who then re lists your debt on your crdit report with the open date as the date they the collection agency purchased it from the original creditor and when they have no luck collecting the debt that agency sells the debt to another agency a year later and then a more current open date is added to that debt which by now would/could actually be 7 or more years old, which is completely against the fair debt credit collection act, but even Equifax and Transunion and Experian will not do a thing to stop this illegal practice.  You dispute the debt , they verify the original debt and that is all they do, not anything about the date the following collection agencies add that keeps it a current item on your credit report which continues to drag your score down.  Someone tell me how to stop that practice as even the famous Lexington Law did not have an answer for that at $89.00 a month for 18 months.

Reply by
dsmith8052

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COMMON SENSE!!! 

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I'm no attorney but, according to the Fair Debt Collection Lractices Act of 1977, you do NOT have to work with nor tolerate collection agencies. They'll send written notices to attempt to collect that debt prior to anything hitting the credit reports. I've worked for Sears Collections awhile back and this was true then. Here's what to do...... As soon as you get a notice from a bill collector, you must send them what's called a Cease and Desist letter, certified mail, return receipt. This serves as their written notice that you will NOT be working with them.according the the above mentioned Act, you always have the right to work with the original creditor. Once they sign for your certified letter, they can not contact you in ANY way and they can NOT place anything on your credit report. And if they do, that collection agency can be sued for up to 3 times the amount they're attempting to collect from you. Just adding this because not everyone knows this nor their rights when it comes to collection agencies. 

I do have a question though....... How come, when I applied for a car loan, was my actual credit score almost 100 points higher than credit karma was stating? I don't think credit karma is accurate.

Top Contributor

Reply by
TeamCKJen

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You have many potential credit scores, not just one. The car loan lender may be using a different scoring model (and possibly basing the score on a different credit report) than Credit Karma, which could account for the difference. 

Reply by
bonkersshongo

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What happens if they have purchased a bad debt from a company, from say 6 years ago, and that is showing as a bad debt for another 7 years? I have some that are showing they 'purchased' the loan two years after my intial loans were closed, and are still being reported as being delinquant.

Reply by
bone42

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The same thing happened to me, but it was off by over 200  points.  I guess that's why it's free because it's inaccurate for scores.

Reply by
celba

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its not, they told me when I got my loan that credit Karma low balls the sscore to be on the safe side, it is anywhere from 30 points or higher on  your real score

Reply by
marcuspixler

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The same thing happened to me when I applied for a home loan. Credit Karma also does not have updated information for a couple lines of credit I opened. Basically I assume my credit score is 100 points higher than what CK says.

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I cannot dispute something if I don't know what it is; all I am asking is for you to tell me what it is.

Reply by
myhome123

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I do not remember this account     please let me know something

Reply by
Rodcole12

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you own state or federal taxes to IRS this is why the lean is on your report. Make sure you check to see which one you owe- the info should be listed on the report as well. Goodluck

Reply by
phillyfixit

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judgement

Reply by
Bridgitt

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I am not necessarily disputing anything.  I need to know what is CME Financial and how to I contact them?

Reply by
1997nicola

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send me a copy i cannot dispute something i dont nothing about.

Reply by
Banga414

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 AnnualCreditReport.com can telll you more and have numbers for you to call

Reply by
dancewithadiva

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Any lluck?? I am having the SAME roblem!! Ive googled the company name they gave and called everyone possible and no luck! Im stuck not knowing what the heck this is!

Reply by
51Rats

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Yea, I have something on my credit report and all I see is the law office...in collections...I have no idea who this is. I was alerted through an account that was set up for me after a medical facility had been broken into so if anything changed on my credit report I would know it. Well, it alerted me, but who is this? How can I see who is on my credit report causing me problems without paying an arm and a leg to someone. This is MY information...I should have TOTAL access and see everything...everyone else seems to...where do I go for help?

Reply by
jp2020

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Helpful to 5 out of 8 people

I agree with you. I finally got to dispute an entry in my my credit reports. After two investigation CSC reported that the claim was not valid. Equifax and Trans union credit reporting agency removed the false claim experian removed it also, however the collection agency refilled and experian added it to my credit report. It is illegal for the credit agency to refill. I filled a report with the FTC. Just waiting for the FTC to investigate the collection agency and experian.

The way the three major credit reporting agency are presently operating their credit reporting is  structured for the business community and not the consumer. Keep after them. If your not satisfied write to the FTC. I received an apply from them in less than 24 hours. GOOD LUCK

Reply by
watering1

2 Contributions
0 People Helped

wha is it

Reply by
7051bobby

2 Contributions
7 People Helped
Helpful to 2 out of 4 people

My lawyer and I have tried to fine out who I can pay this judgment to. the loan and judgment has been sold to mayn people and no noe knows who I should pay.

The Tax Lean has been paid I do not owe any Taxes

Reply by
butter07

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1 Person Helped
Helpful to 1 out of 2 people

i never had a account  such as escalate that is not my account

Reply by
melissaprobs

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4 People Helped
Helpful to 4 out of 7 people

Yes you can... Dispute it and say I don't know what it is...

Reply by
garyop

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3 People Helped
Helpful to 3 out of 5 people

I do not know what this item is please inform me my mail so i can take care of this matter

Reply by
hassfat

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Helpful to 2 out of 3 people

no they own  me.

Reply by
oct23

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4 People Helped
Helpful to 4 out of 6 people

i would like to dispute most items if i may how can i go by doing so

Reply by
wendyal

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Helpful to 1 out of 2 people

I don't know this company and never had a credit card w/ them..I make my payments on time and owe very little.. Why does my score keep going down ? wendy levy wendyarleen@gmail.com

Reply by
MAMMY9

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1 Person Helped
Helpful to 1 out of 2 people

INQUIRIES COMING IN I DON'T KNOW AND NEVER HEARD OF

Reply by
taximan43

7 Contributions
382 People Helped
Helpful to 363 out of 525 people

call the law office i have consumers collection agents check my credit they have no reason to check

on me and report my credit i have no dealings with them.you would think the credit reporting agency

like trans union should check befoe giveing you neg remark. good luck on your problem if you do nothing they will sue you go in your checking acct and take your money.a pay day loan co. i never took out a loan took my money out of my checking acct because of my name was the same as some one eles.they did not  check address soc security number ect i got my money back with exp over draft fee i was late on my bills ect.dont let it go call the ftc.

Reply by
muchme

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i do not know what these are and has to be an error that mush be removed

Reply by
angel19612345

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i naver open an account with armor systerm!

Reply by
jdgilmore

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I have been out of work march 22nd 2011 awaiting on diability.im living on 844.00 a mounth.Im do the very best i can on paying on these bills i pay35.00 they charge a late fee ive called on a few of these bills but i dont know what a few of these are.I have really tried to pay everyone.

Reply by
stayle

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0 People Helped

I have a personal loan I'm stil paying for and it is in collections!

what to do now?

Reply by
jcooldukes

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Helpful to 0 out of 1 people

thank you

Reply by
TheUninvited1

2 Contributions
0 People Helped

You will need to obtain a copy of your Credit Report.  You may receive one free report annually under current federal law.

Reply by
billionairepaper

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exactly such as court judgments that you were not notified of, are erroneous and should have never been filed in the first place. Bogus!

Reply by
mizbeautiful

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get a lawyer

1 Contribution
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ENHANCRCVRCO

$284

In Collections

MERCHANTSCOL

$67

In Collections

Thanks,

Reply by
jrice123

1 Contribution
2 People Helped
Helpful to 2 out of 2 people

The IRS put a tax lien on me, my assets, and my soul, but it was due to an error on their behalf.  I finally got the right documentation to the right person in the system and the whole deal was dropped AND they sent me a check for over $7,600 for money that they had taken from me for the past 3 years.  My problem is that the tax lien still shows up.  Why should it be on my public records when i prove that the whole deal was an error on their behalf?

Reply by
stewaybe

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3 People Helped
Helpful to 3 out of 6 people

If youre out of work and disabled I would certainly stop paying them, I repeat I would STOP PAYING THEM, and file for bankruptcy protection.  That's exactly what bankruptcy is for is people in your position.  Use the payment money for your attorney and send in "do not Contact" letters to your creditors they will not be able to legally call you anymore, and if they do you can sue them for compensation.  Do not worry about your credit scores it's all BS anyway, plus it is my opinion that if a person is only getting $844 a month you should not have credit of any form.  Annnnnd your credit score will actually improve if you are not upside down on all your accounts.  As proof I went from a 580 to 640 within a couple months. ( Less than a year I got a 14,000 car loan and I will be able to buy a house after 2 years coming up in a few months)  Then if you need a credit card try Orchard bank and Capital one.  They both have high risk low balance cards.

Reply by
pokedbear

8 Contributions
647 People Helped
Helpful to 69 out of 89 people

To begin, CreditKarma is just kinda a summary of all credit issues; they give you the heads up about issues but it's up to you to do the leg work...meaning find out who the company is and how to contact them.  If it is showing up on CreditKarma then it's time to get your free credit report from freecreditreport.com.  The FULL information about CME will be provided on the reports (mailing address, phone number, account information, etc.).  You will be able to contact them then.  If this is new and you've already gotten your free credit report for the year, then do a google search and see if you can find demographics for CME that way. 

Reply by
Wooliebear

2 Contributions
43 People Helped
Helpful to 1 out of 2 people

I DO NOT have any Court Judgements against me!!  This is again, my son. David Plessinger. Same name but different age & Social Security number. Just like that bankruptcy on April 15,2005

Reply by
42100000

1 Contribution
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have know clew what this is,help

Reply by
Cynnamin

2 Contributions
2 People Helped
Helpful to 2 out of 3 people

Contact the credit reporting agencies and have an alert placed on your reports as well as request that the information be removed.

Reply by
bgmo

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I have no out standing court procedures  if so what is it ?

Reply by
zohilldo

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Helpful to 0 out of 1 people

I DO NOT KNOW WHAT IT IS , ALL IAM ASKING IS FOR YOU TO TELL ME WHO AND WHAT IT IS !

Reply by
STPAUL200

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I don't know what these debt are, I think that this is a mistakes on my credit report,please look into it and if it is mines, I would like to know what it is, since my name is the same as my son thank you

Reply by
mayowa02

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Helpful to 2 out of 3 people

I dont know who this company is and never heard of them.

Reply by
misstinked

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I don't know about any of the things that are in my credit report.

Reply by
stugah

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i cannot dispute something if dont know what it is, All i am asking is for to tell me what it is.

Reply by
ejwgolf

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Helpful to 1 out of 1 people

focus  mgmt  for 75.00  what is this for

Reply by
CaptainRat50

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Helpful to 1 out of 1 people

Amen!  I have NO idea what FIVE debts in collection are. 

Reply by
tll63

3 Contributions
2 People Helped
Helpful to 1 out of 1 people

How do you dispute something that you know nothing about,it's not mine,never had it..!

Reply by
tll63

3 Contributions
2 People Helped
Helpful to 1 out of 2 people

How can dispute student loans that you never had???

Reply by
wetdawg

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1 Person Helped
Helpful to 1 out of 2 people

so what is it ! I have no imfomation ?

Reply by
1clavo

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1 Person Helped
Helpful to 1 out of 2 people

I dont hAVE A clue what my credit issues are or dept are from ive been in prison my whole life. please tell me what it is i owe for

Reply by
kenan

5 Contributions
65 People Helped
Helpful to 1 out of 2 people

I'm having the same problem

Reply by
ecothers

2 Contributions
0 People Helped

You can call the collection agency that has the account for their clients number. If you are STILL having a problem finding out , pull your credit report once again and dispute the entry. That's what I did and it worked. If they do not respond in a certain amount of time it comes off your report.

Reply by
cjh39

3 Contributions
6 People Helped
Helpful to 1 out of 1 people

wha is it ??????????

Reply by
chris3916

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0 People Helped

I do not know who these people are putting marks against my credit.

Reply by
str8sexi

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Helpful to 0 out of 1 people

Exactly!! I their telling me I have a new employer added to my credit, but the drop down where the information is suppose to be it says N/A. Seriously????

Reply by
chrisg527

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2 People Helped
Helpful to 2 out of 3 people

so if something is in collection, how do you figure out what it is that you owe on?

Reply by
loki3751

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hi i dont know what it is that is on my credit something for $800

Reply by
professor999

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0 People Helped

I dispute all items on my credit report as of August 10, 2010, and the tax lien which was withdrawn by the State of Illinois because they can't get their business straight.  They notified me, they should have notified you, (Credit Bureau) but failed to do so.  Any tax lien on this account is a falsehood.  I have never failed to touch basis with neither IRS or the State of Illinois.  Perhaps someone should check them out.

Reply by
sonyman1

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0 People Helped

My address has not changed.  It is still 10890 Assisi Wy.  Salinas, Ca., 93907

Reply by
hotladypp

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0 People Helped

what the hell in correction amt due of 400 dollars who is this havent purchase  in over 5 yrs.

Reply by
linzette64

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0 People Helped

tell me what it is that I need to do and how

Reply by
kamran4u

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0 People Helped

its a judgement for an auto loan   i believe it was in 2003

Reply by
Danski2112

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0 People Helped

Gave Vital info..then directed to another site that wants Credit #..Crap!!  already ID victum, and Feel Defrauded. SCREWED!  That sucks!

Reply by
brianjay77

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0 People Helped

I need to disput something that says I am in collection and I have no Idea what it is  Please let me know

Reply by
sisterlynn6

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    i cannot let you know if the credit you listed for me or for someone else if i donot know what the creditor name is, i do know of this outstanding debt

Reply by
monk2jean

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0 People Helped

can you show me every thing on my report please so i can see what everything is

Reply by
Olena808

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0 People Helped

i say the same. i have soemthing showing went to collections and i have no idea who it is or what it is from. weird

Reply by
aqd

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0 People Helped

how do we know who it is?

Reply by
earnhardtfan2002

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i dont know what lis is thank you

Reply by
cache2118

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0 People Helped

This acount of the Judgement was paid in full /

Reply by
crazyb419

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0 People Helped

what if  it's not mine

Reply by
gpollitt

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0 People Helped

That's my problem too! I've never heard of the things on my credit report.

Reply by
dulari53

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0 People Helped

I cannot dispute something if I don't know what is is.  I am asking for you to tell me what it is

Reply by
yungmade

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0 People Helped

somebody got a hold of my ssi number an have been usin it to get stuff in my name so how do i get i fix

Reply by
garbett

2 Contributions
0 People Helped

what is this debt??

Reply by
allshowdogs

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0 People Helped

I agree with you!  It makes we wonder if they are totally legitimate.

Reply by
noodlesboots

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0 People Helped

I paid one last montha and still it is on there.

Reply by
Cbear42

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0 People Helped

I seem to have a new account and it is in Collections.

Yet, I do not even know what the account is or who it is from.

Reply by
Kommanderkoady

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I don't know what this is

Reply by
tiger1992

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0 People Helped

unaware of what is in collection action

Reply by
Momilani11

6 Contributions
0 People Helped

i completely agree. How am i supposed to close something out, if i don't even know how to get in contact w the company that's saying i have a "credit card" or a "balance"?

Reply by
Momilani11

6 Contributions
0 People Helped

i agree...how do i dispute something if i have no paper trail as to where it even began?

Reply by
ShoshanaLeah

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0 People Helped

I'm having an issue trying to dispute 2 medical bills from when I was 15 that on the documents that list the responsible party at the doctors office, it listed my mom.  Somehow they never got paid and ended up on my credit report instead of my moms.  I was under the impression that they can't report anything from when you're under 18.  And also like I said I have documentation from the doctors office that says my mom is the responsible party.  What do I do?

Reply by
workinonit2

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0 People Helped

I didn't even know about the judgement until now when signing up with ck....The only and i mean only thing it can be is for school books for $71.00 back in 2007 I had got a bill for it and we were moving around that  time but I was on assistance back at that time and shouldn't have had to pay it....I'm not sure where to start on finding public records does anyone know if you can get public records on internet?and I do appreciate anyone's help as for the credit hits i think walmart hit 3 times not sure why and my daughter tried applying for a few without aking me if it was okay...I put a stop to that so that should get better....I have also been mistaken for another person with my same name for years now and a couple of things on my past reportsI thought may be another person same name as i

Reply by
BIGBEN49

1 Contribution
1 Person Helped
Helpful to 1 out of 2 people

The

 credit for $64.00 from RKMNANDRKMN is not my credit never heard of this company . It seem to me that anyone can put any thing on your credit report ism sick of this.

Reply by
Eastwood35

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0 People Helped

I do NOT haave credit cards and have not charge anything for years (except for Dell comouter which is the 2,000 credit line and it is current and always has been)!

Who is this company?

Reply by
monsineur

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0 People Helped

it great to have a webside like creditkarma, is helful and full of sugestion

Reply by
Ksmcintyre74

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0 People Helped

Not helpful; at all.   Don't title a link as "Dispue A Report" when all it is, is information on HOW to duspoute a report.   Other credit companies may charge for their service, but when they post  alink onn how to dispute, it takes you right tot he page to file the dispute online

Reply by
Shuya71

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0 People Helped

Exactly! If they are allowed to put it on my credit report, THEY should have to give details of what it is and IF THEY ARE THE ORIGINAL CREDITOR.

Reply by
hojoe109

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0 People Helped

i need to know  whom thay are and how to reach them to get them off my credit report

Reply by
vcarrasc

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0 People Helped

am unabel to dispute when i dont know 

Reply by
Litephaze

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0 People Helped

I TOTALLY AGREE! There are sso many "vageuly specific" info regarding EXACT contact info of said "reportee, lender, etc.

Reply by
Neekwa05

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0 People Helped

This was very helpful, as 1 item on mt report I don't know what it is.

Reply by
germanrob

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0 People Helped

I know right!!!

Reply by
Rebecca537597

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0 People Helped

I worked at a company that removes bad marks from your credit report. The best thing to do is to dispute the negative wether you know what it is or not. Do it through the mail to all 3 credit reporting bureaus, TransUnion, Equifax, and Experian. Google the addresses. Do not call any Company or Collection agency. Dispute through all 3 bureaus and they will send you in return a complete copy of your credit report including any negative that may have been removed and the ones still reporting with information on what they are reporting you for. Hope this helps.

Reply by
rammjr

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0 People Helped

AGREED!!!

Reply by
Classiebird

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0 People Helped

Im having the same problem! In the past you could get that info. Mybe they want you to pay now or the ready info. is jutst too convienient.

Reply by
kbruno23

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0 People Helped

I nned to no how can i diputed the imformation that on my Credit report.

Reply by
mniekrasz

2 Contributions
0 People Helped

what is this

Reply by
helpfulblackguy

1 Contribution
0 People Helped

is it collection? if so look at name of the original company debt was owed to, then google company name find any info and call them, let them know what going on. I had this crisis, had 3 accounts in collections from oklahoma, even though im from texas... also call the credit bureas

Reply by
aliciaj47

2 Contributions
0 People Helped

You can get the number from the creditor on your report. Call them and request before u pay anything u want a final bill explaining what and who u owe and for amount. U can do a leter or u cqn dispute it online yourself.  I did and my credit scores are slwoly climbing.... cheqaper to dispute yourself!  Good Luck

Reply by
cammie2

1 Contribution
0 People Helped

i am a victim of identity theft. there are numerous inquiries on my credit report bringing my score down that I didnt make. i have already flagged my accounts and filed a report and filed a poluce report. I have no proof that I didnt make these inquiries but there are 25 of them!!! Does anyone know what I can do? thank you!

Reply by
wagdeb

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0 People Helped

don't know what those 3 bills are thats in colection

Reply by
masterc7

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0 People Helped

You can find out what is in collections by actually going to that credit beareau and disputing it online through them.  For example for Transunion go to https://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page

and select file a credit dispute online or check status button at the bottom. Fill out the information and it will show you all the information from your credit report and it will also allow you to dispute exactly what you see and give you the options you have in disputing it...

Reply by
sarge32

2 Contributions
0 People Helped

How can i pay something off that has showen on my credit when i have no clue who or what it is. Pleasea in need of info on this. 

Reply by
JHERRERA5

1 Contribution
0 People Helped

MY CREDIT SCORE IS WRONG AND  COLLECTION UPDATE  GLOBE CREDIT IS WRONG 

Reply by
BorrowerToo

2 Contributions
0 People Helped

You can usually google the abreviation on your report. I did mine and found the company and address. Hope this helps.

Reply by
troys14

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0 People Helped

Request a copy of your credit report from one of the 3 reporting agencies.

Credit Karma isn't able to provide you with a report, just your score and some details. On your actual credit report, it will list the contact information of the reporting agency for you.

Dispute the charges be following the information provided here or with any of the credit reporting agencies. Do not waste money on paying someone to do this for you. A correctly formated dispute letter is exactly what you need and you can do this yourself.

Hope this helps!

Reply by
gallino

1 Contribution
0 People Helped

there is a judgement  against me they called me yesterday but did not know where I live how do I find out who the collector is 

Reply by
DorianaM

2 Contributions
0 People Helped

I have SYNCB on my report what is that and how do i remove it.  I don't own nothing never applied for it and how to remove it.  credit karma sucks they put things on report  and you never apply for anything. Only owns one bank card and thats through my bank. I hope they see that. I can't get a loan cause credit company are posting stuff on my report that I don't even have or try to apply. Credit carma sucks. My transunion credit went down for some reason i don't know why i own nothing but a paycheck i get from work i put into my saving account and save. Going to stop using credit carma until they fix it.  THey make a person look bad on there credit report and puts stuff there that never exisit.  I hope they do something right with what this is SYNCB what ever that is..

Reply by
jacennashea

3 Contributions
0 People Helped

where i co signed for your car at my bank and you didn't pay for it and i had to pay it off and the ruiend my credit dispite the fact i paid it off the same day and they told me it would not go to a judgement this is why i don't barrow money from them anymore or give them my car loan been with them since early 80's and was done this bad i have court ppwk showing this has been settled for years and it is still on my credit report

Reply by
bonyak

1 Contribution
0 People Helped

If a collection agency is trying to collect from you, I have been advised by may credit advisors not to contact the agency. If you do, they can reactivate a debt that is old or outdated. It will become active again. This is how old debits keep haunting you. 

Reply by
par4four

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0 People Helped

never lived in Stoney Brook that is not me

Reply by
elizh5

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0 People Helped

I agree.  How can you dispute an item when you do not know the source?

Also why did my rating drop this month?

Reply by
cudabear62

4 Contributions
0 People Helped

My credit score has dropped over the last moth showing that I have a deliquent account.

I have not missed any payments r deliquent on any thing pluse I have paid off one auto loan. My score should b in the 700 range. Whats the deal here. Do not understand this

Reply by
Sunnymccawley

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Helpful to 0 out of 1 people

I had stolen identity through my back with a Fraud number supplied, harrassing calls, FBI I3 form, social security administration, home land security cyberspace have been notified. The IRS Identity Protection Specialized Unit has been supplying me information from my credit report to file along with their IRS 14039. I have top security software on my phone and computer now. They even made rape and death threats. A ton of calls from various numbers from their criminal rings after I shut my bank account down on the 10th.

Who is this that inquired on July 8th on my credit report?

BARCLAYS BANK DELAWARE
PO BOX 8803 8803

WILMINGTON , DE 19899

(866) 370-5931

Thank you,

Ellen McCawley

Ellenmccawley@comcast.net

240-674-1091

Reply by
Oraine

1 Contribution
0 People Helped

A car rental is on my credit report I don't remember renting any car

Reply by
Oldrudeguy

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0 People Helped

use Lexington law.  They do wonders in just 90 days.

Reply by
Willowrose8

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0 People Helped

This bill or is not my biller my name being Margaret R. Harris – not DESPRES

THIS BILL BELONGS ONLY! TO ROBERT F DESPRES MY EX HUSBAND THANK YOU

Reply by
ben200

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0 People Helped

I retired,July 1, 2001    NOT 2006

Thank you

frank benedict

Reply by
teenie02

3 Contributions
5 People Helped
Helpful to 1 out of 1 people

I have no idea who appled to a Bacley company?   Also what about my other inquirie?

Reply by
teenie02

3 Contributions
5 People Helped

I so agree.  And I have received that  Credit Karma is being fined for displaying SS# .  By the FTC.?

Reply by
Janusbe

1 Contribution
0 People Helped

They have a wrong address that I never lived and they got my place of work that I haven't worked in over 20 years and I need to know how to update my status on the credit report, with my job of 14 years.

Reply by
cardshark48

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0 People Helped

My bankruptcy is over 11 yrs ago and should come off my credit report by now..

Reply by
taushab26

1 Contribution
0 People Helped

click on credit report, then click the  greater than symbol to have it open information on account then it gives address, or google the name to get the address.

Reply by
arcochief1978

1 Contribution
0 People Helped

I have an accont labeled miss payement, I had the ccount for three  months a mortgage I did not need and was paid off so what goes the records are not in my hands nor in theirs, they do not even know me

Reply by
krc7894

2 Contributions
95 People Helped

When you don't know what an item is ask them to verify ALL information. Usually if you can't tell what it is it is because it has been sold and they probably do not have all the information to prove it is yours. I have had several items removed by asking them to verify all information.

Reply by
goodmancarol

2 Contributions
16 People Helped
Helpful to 10 out of 15 people

I have paid 1st Franklin off, it's still showing a balance.

Reply by
TracyThai

2 Contributions
0 People Helped

I agree I can't even find out how to ask what it is.

Reply by
kandyison

1 Contribution
0 People Helped

The problem that I have is with Columbia House in 2010 and I never ordered anything from them so what should I do and how should I go about disputing this when I don't have any type of evidence?

Reply by
prietooooo

1 Contribution
0 People Helped

No es mía gracias 

Reply by
HTP3231978

2 Contributions
0 People Helped

Not Sure?????????/

Reply by
HTP3231978

2 Contributions
0 People Helped

This is a US Cellular Account,I always had a prepaid phone thru them,I do not understand how I owe anything,It was PREPAID ,no money no service

Reply by
sandradee1017

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0 People Helped

What was this about. I don't know of any card that I asked for.

Reply by
Genny1236

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0 People Helped

Get the free report then call the credit bureua that is reporting the data and then dispute it. 

Reply by
RL29520016

2 Contributions
0 People Helped

I am 69 years old and have had a credit history for over 50 years yet I'm only showing a less than 4 year old credit history....THIS is hurting my credit rating.

I own my own home at 555 Dover Way in Livermore, paid for with no current loan.

I do have an Umpqua home loan for about $155,000 at 2727-28th Ave., Forest Grove, but there is no second loan...I only have the single Umpqua loan but the report shows 2 different loan balances.

Reply by
rdorsey991

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0 People Helped

I do not know anything about this account.

Reply by
rangetrg

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0 People Helped

good luck !

Reply by
flutterbutt

2 Contributions
1 Person Helped

I have the same issue. I have a collection that I have no idea what it is. I know for a fact that it isn't mine because it shows a large amount of money I owe to a webbank and I have never had any kind of webbank or that amount of money. I don't have an account number to use to dispute or anything. Can I dispute this without having the information except the name of the creditor and the amount?

Reply by
Marcwong

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All i know about that is if u find a way to contact them and tell them they have 30 days to tell you what the debt is for and if they cant then they have to remove it which they wont be able to do cause they dont know if its been passed from one creditor to another, a pàralegal told me this 

Reply by
SharonBadenhop

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You're so correct - what is it?!

Reply by
EVMUSE

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If it starts the clock all over to inquire about a  debt or try then it makes sense that businesses use collection agencies to hide doesn't it? One of the reasons I do like this site is you can see who the original creditor is!

In recent years I have noticed a lack/loss of flexibility in making payments on debts...I lost my job in 2005, became sick, and tried to work out payment arrangements with some of my creditors but none of them wanted to be reasonable. It was either their way or the high way and since I couldn't manage their way ....they sued me and to this day I will not pay their debt for one thing it was incorrect...for another the doctor bills were what was billd but not what I was told would be my 'copay' and sense they don't want to work with you what the heck/

My best friend made arrangements with three credit card companies. She had good enough credit to buy a house, But as soon as she startedd making payments and on time her score plummeted. I think this is BS. Also this friend the most honest person I have ever met and a missionary so I think the whole credit system stinks to high heaven and makes no sense at all.

It is a scam and it is blackmail to submit to only the terms the companies want to accept. An offer you extend figured by you in accordance to your budget is rarely accepted.

I do not expect to ever have good credit. Not unless I win the lottery or some good samaritan comes along to pay everything off for me at one time lol! That did happen to a friend of mine and she is as irresponsible as can be but has wonderful credit.

Reply by
conwayscore

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I dont understand why some people say (Idont know what it is ) wa wa wa, thats BS. you know exactly what it is so stop pretending and stop lying to youself and too us....your an idiot if you dont remember paying your bills or not and your a real idiot if you dont know how to get started either repaying your bills or finding out how to dispute....grow up, pay your bills and quit looking for someone to feel sorry for you....

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Helpful to 38 out of 42 people

I Think what we all need to do is get together and file a class action lawsuit against the Credit bureaus.  They are hurting our credit.  You can ask them over amd over to take old accounts off, they won't do it.  You can write and fax them until you turn blue in the face.  I am tired of dealing with negative credit.  I think everyone whom has dealt with trying to have something removed from there credit should demamd the right to fair credit practices.  And if they don't cooperate just file suit. After a few class action lawsuit are filed and won, I will guarantee you they will make sure you credit file will be correct. 

Reply by
rspencejr

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Helpful to 2 out of 6 people

I wish that were true I would be right on that!  I have stuff on there that is so not mine but I can't do anything about it!

Reply by
EVMUSE

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Helpful to 5 out of 9 people

I LOVE THAT IDEA! LET ME KNOW IF YOU ARE ABLE TO PUT ONE TOGETHER.

Reply by
babyblueeyes4

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