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 Report
Profile Image

Question By
hgmkai

0 Contributions
0 People Helped
Paid Derogatory Mark
I recently disputed a derogatory mark with Equifax after questioning the validity of a debt; A previous apartment complex not only took my deposit but reported that I owed them an additional $1,018. I was not given a full invoice of the charges/damages done to said apartment, and inquired several times via mail to have a statement of ALL damages as well as the cost sent to me. I found myself reported to collections for a debt I did not see to be fully valid. I contacted the debt collector several times, also with no response. In addition, I have made two payments toward the final balance in previous months (prior to disputing the debt with Equifax), in efforts to break down my balance into payments while I awaited a full statement. Equifax has now contacted me with the result of my dispute telling me that they've updated my balance to "Paid in Full." I now wonder why Equifax would do this, how am I to know that ACTUAL cost of the potential debt with my previous creditor? I have paid two-thirds of a debt they clearly did not find valid. If the debt is invalid, why is it still being reported on my score?

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.