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kelciegirl

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I have not been late on a payment in 5yrs and now a company is reporting from 2010 what should I do

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Top Contributor
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File a dispute

Go to the Credit Bureaus website that is reporting the account and file a dispute. Specially if you don't know who the creditor is or never had the account. You should be able to find a link to file a dispute at any of the Credit Bureaus websites,  There are a lot of typos in data entry and chances are that its not even yours.  As many as 25% of credit reports have inaccutrate info on them. A dispute will require that the creditor verify the info and prove that they have the legal right to pursue collection. 

Good luck   

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