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MaryAnnBolling

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Credit Karma is wrong !
I have been in contact with HSBC Bank and I owe them nothing you can call them yourself the number is 1 800 975 4722. and see what they say. This in collections has been in collections ever since 2012 and this is ridiculous now its 2017 . all I want to do is have it removed or I'm calling a lawyer , see if that makes a difference I doubt if it will cause the dates from when these other people have asked you questions and you never respond to anyone. Why is that ?????

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Credit Karma is NOT a credit bureau, they do not create your credit report nor can the make changes to your credit reports. If you want to dispute something on your credit reports you have to do that with the credit bureaus. Transunion, Equifax and Experian are the three credit bureaus, they all have websites that you can check out to learn how to dispute incorrect information on your credit reports. Keep in mind that most negative accounts will remain on your reports for seven years. Note: the seven years does not start when the collection was opened, but starts with the DOFD on the original account. The DOFD (date of first delinquency) is one month after you made the last payment on the original account. You should do some reading on the FDCPA (fair debt collection practices act) as well. Keep in mind that if HSBC sold your account to a debt collector, you would not owe HSBC anything as they sold the account, but you will owe the debt collector. I recommend that you do some reading on all of this before taking any type of action and under no circumstance should you contact the debt collector until you have a good understanding as to how to deal with debt collectors.

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