Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Posted in Credit Report
How do I clear a protested bad report of my credit?
I have an $8,000 write-off reported by Discover. In addition the agencies have reported a residence that I have not lived. I have written and protested, but the 3 agencies deny my protest. How do I prove I've never lived where they indicate I have? Do I wait another 2 years for the $8,000 to disappear?
Profile Image

Question By
tennismama

2 Contributions
0 People Helped
All Responses
Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Most Helpful Response
Helpful to 1 out of 2 people

With regards to the residences, it really doesn't matter. It has no material impact on your score or credit. The $8,000 charge off is very different. If you didn't pay a bill it is legitimate, it can't be disputed unless it is inaccurate. 

Top Contributor

Response by
AppleRules

748 Contributions
917 People Helped
Helpful to 0 out of 2 people

 The charge off is not accurate and not mine as far as I can tell.  I have requested written proof many times of the charges and signature and copy of the original application and have received nothing other than a one-line bill.  This has been going on for 4 years.  I thought that maybe the incorrect addresses reflected the mailing of a bill or demand for payment to an address that was not mine.  I never had a discover card other than one I paid off many years ago.  I have tried everything I know to stop the bad reporting but have been unable to do so. 

Response by
tennismama

2 Contributions
0 People Helped

You might want to file a police report for identity theft and work that route. But you better be sure it is not your or you could be committing perjury. 

Top Contributor

Reply by
hardeight

1739 Contributions
931 People Helped
Helpful to 0 out of 1 people

Thanks for your reply.  It's good advice.  I want to make sure it's not mine, but have not been able to get any kind of documents from Discover.  Nothing, nada other than a bill that says I owe $7,800

Reply by
tennismama

2 Contributions
0 People Helped
Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Reply to this Question

Write your response:

Enter Your Comments
Submit to the Community