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Inksexy

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have open account with balance, how can i dispute them if they dont have proof?
The account open under "other" im sure is an old college tuition charge, I have documents stating I had full scholarship and didnt enroll or attend the months Im being charged. The school in question only has the date for the charge and my name stating enrolled, they cant show proof of any attendance, class grades, or any scholarship account information. The excuses being they dont keep records over so many years (almost 10 years).

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It sounds like you need to send them a Debt Validation (DV) letter.  You can find resources about this on CreditBoards.com

It may also be something you need to tackle from the Credit Bureau's end, by contacting Equifax, Experian, and/or Transunion and letting them know that this item on your report is invalid.

If it has truly been over 10 years, you may have also reached the Statute of Limitations (SOL) in your location, which means this "debt" shouldn't continue to be reported/renewed.  This is another thing you would need to take up with the credit bureau's.

There isn't a lot more I can provide without more information, but good luck!

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