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!

Question

Posted in Credit Karma
Profile Image

Question By
sdlm

1 Contribution
0 People Helped
I notice a derogatory on my credit history.
Back in 2005, we sold a volvo to a buyer and mailed a bill of sale to DOL in Olympia. This buyer got a ticket for parking and because he did not pay to cover the citation, City of Seattle forwarded to Alliance One for collection. When we received the notice, I went to City of Seattle to find out what the reason for such citation. We found out that the buyer never changed to his name on the title and the citation went to my name. I sent a letter to Alliance One to explain. They said they would take care of it… apparently it has not until August 6, 2012 the collection was paid by the buyer. I just found out by calling Alliance One today. They said for me to contact you to remove the derogatory from my credit history. Please follow up and let me know the next step.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
53 Contributions
92 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

dispute the derogatory mark on your credit report with the bureau that shows this derogatory remark. explain the issue with them and fax off any information they request to prove that this was infact not your problem and that it was the person who you sold your car to.. if you have to go as far as showing proof of the bill of sale then do so make sure the dates on the bill of sale are before the date that person was citated on. 

Reply by
sdlm

1 Contribution
0 People Helped

Thank you....I thought I had done that some years ago.  Apparently someone didn't follow up.  Will try once again.

Top Contributor
53 Contributions
92 People Helped

if they still do not work with you then be very persistent! they will eventually get tired as much as your tired of having to repeat this action to clear your name. and hopefully the bureau will just delete it themselves. 

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.