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Question By
jonathancivil

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How can I effectively remove this "derogatory" mark from my credit score?
i mistakenly opened a credit line with curacao (yes, i know!) and i took home an air conditioning system that turned out to not work the way it was advertised, so i returned it the very next day. they denied me the return and posted up a bogus "new policy" that said seasonal items including the air conditioning could not be returned and so of course i said this policy is bs and walked out. i tried sending a dispute but i'm not sure if it got to the credit bureaus or not. how can i go about this? how do i remove this, dispute it? please help me.

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Top Contributor
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Is it on your Credit Report?

Did you leave the merchandise? or did you take it with you,  If you took it they may have a legal claim.  If you did not, then they would have no right to try and collect. 

You don't say weather this is on your CR.  If it is then file a "Validation Letter" with the Credit Bureau reporting the account.  Google it for a Template and more info on what you need to send with it, where and how to mail it,  etc.  This will require the CB to investigate the account.  This is the best approach to fighting any collection on your Credit report thats derogitory. You want a paper trail every step of the way. 

File online disputes at the CB websites to correct info like names and addresses. and accounts that are in general,  good standing.  

Good luck 

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