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
xspartan09

0 Contributions
0 People Helped
There is a negative mark on my credit history that shouldn't belong to me. What can I do?
I recently graduated from college and checked my credit for the first time, assuming that I hadn't had much of a history until recently when I'd opened up a credit card account and paid my own utilities in my last year of college. I was shocked to find a negative mark from a collections agency which claimed I had failed to pay a $275 medical bill in 2009.

Here's the thing. In 2009, when that bill was incurred, I was a minor (17 years old) and covered under my parents' medical insurance. I certainly did not pay any of my own medical expenses and that bill should NEVER have been attached to my name, but it has apparently been damaging my credit for years as it has gone unpaid for longer and longer.

I tried to dispute the claim by explaining this situation to Experian, but they concluded that it was valid and would stay on my report. It isn't due to expire until 2015, and I'm a recent college grad who needs decent credit to get housing and start my life. What can I do about this?

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
114 Contributions
138 People Helped

Have you contacted the original creditor? That's probalby where you should start. Explain the situation and see what they can work out with you.

You do not need the services of these so called "credit repair - law firms." Anything they will do for you, you can do for yourself for free! They are only out to prey on people and steal your money, just google their reviews and complaints! It's incredible these people are allowed to operate these scams.

Result 1-1 of 1Results 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.