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
mlc333

0 Contributions
0 People Helped
what does a remark on your credit report that staes disputed by consumer meets FCRA requirements

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-10 of 12Results per page: 5 | 10 | 25Page 1 of 2   Previous | Next
1 Contribution
22 People Helped

What does this mean?

Helpful to 22 out of 39 people

Account information disputed by consumer, meets FCRA requirements

Top Contributor
7362 Contributions
3808 People Helped
Most Helpful Response

Helpful to 66 out of 101 people

Basically it means the charge has been verified as being legitimate. It meets Fair Credit Reporting Act requirements which are federal regulations.

Reply by
Yngkrazie

1 Contribution
88 People Helped
Helpful to 88 out of 122 people

I see these same remarks on a dispute I made but the account is still showing on my credit report? Will they remove it from my report or do I need to call to ask to have it removed?

Reply by
Iwoniwon56

1 Contribution
32 People Helped
Helpful to 32 out of 47 people

Can you explain it in a  more in depth of the definition. Because I still don't understand when it states that on the remarks.

thank you

1 Contribution
13 People Helped

Paying old bills helps?

Helpful to 13 out of 20 people

does paying off old debt help any or not? 

2 Contributions
44 People Helped

FCRA

Helpful to 38 out of 67 people

I recently was prescreened by Capital One and they did a hard pull. I contacted transunion and they said as long as the creditor agrees and provides some type of statement explaining they made a mistake then they would remove it without asking questions. I check my credit score now and the cap one has this remark "Account information disputed by consumer, meets FCRA requirements" whats that mean? Does that mean that their inquiry was legitimate?

Top Contributor
69 Contributions
322 People Helped

fcra

Helpful to 3 out of 4 people

crazy, equifax deleted same account transunion wont, why?   i was not even in the state this unknown bill came from..the information was also different..im one to pay my bills, but this has me so puzzled as to where it ever came from???

Reply by
juanoyola31

3 Contributions
14 People Helped
Helpful to 4 out of 4 people

that means someone you know or unknow open the account is id theft

1 Contribution
3 People Helped

Not My BILL

Helpful to 3 out of 4 people

I keep getting charged for a power bill in a state i have NEVER resided in! I keep disputing. The credit collectors are relentless and you can never understand them,  but I am not paying a bill I didnt create! How can I resolve this? 

Reply by
Debby27

1 Contribution
2 People Helped
Helpful to 2 out of 2 people

Put an fraud alert on your credit. You can dispute it as a fraudulent account . Submit proof that you do not live there.

1 Contribution
0 People Helped

Fcra

I wonder what this means also

1 Contribution
2 People Helped

So unfair

Helpful to 2 out of 4 people

I was kicked out of my apartment a week before Christmas, They said the housing was for low income families. Keep in mind i was a single mother with a 3 year old and they included the child support i did not receive with my gross income which made me overqualified to live in these apartments. When they gave me my two week notice they said i still had to pay last month rent. I was upset and did not understand why if i wouldnt be there. I didnt pay, in fact i file small claim with the court. To make a long story short, I paid the balance 3 months after leaving and now it is on my credit report. Can i get this remove?

Reply by
juanoyola31

3 Contributions
14 People Helped
Helpful to 6 out of 8 people

if you aready paid what it was ask of you. and if you have documents from court that you where not at fault call  your trans, equifax, and experian to get it removed. if they bring it back again. my advices to you is to contact an attorney or creditor repair specialist to help you disputed. use the dispute as creditor agree to remove or you not longer liable.

1 Contribution
2 People Helped

Comcast dispute

Helpful to 2 out of 5 people

This is happening to me right now and it was included in my bankruptcy. Comcast as well. Weird as all my others were removed no problem. I think it may just be the way we are disputing it.. It doesn't ask for much information on the Credit Karma site and if we dispute it thoroughly it may help. If not I guess my lawyer will have to get involved.

1 Contribution
4 People Helped

Why pay the bill?

Helpful to 4 out of 11 people

I have paid off a utility bill over 4.5 yrs. ago, so why want it come off my credit report?

Reply by
mzrudeass

1 Contribution
16 People Helped
Helpful to 16 out of 20 people

I had the same problem. I paid of my gas bill and it remained on my credit for 3 yrs, until i called the gas company and pressured them to remove it. They verified the account was paid and i verified to them by faxing over proof that they were still reporting it as unpaid to the credit agency. They gave me the number to their credit reporting department, which also verified my account was paid. At which point tgey submitted a request to have the accoubt removed from collections. It was removed 7 days later and boosted my score. Enter Your Reply

Reply by
juanoyola31

3 Contributions
14 People Helped
Helpful to 4 out of 6 people

you can enter a dispute with remark account paid in full the creditor will verified or you can go directly to the sources and ask them to remove and to send letter to all credit trans, equifax, expirian. is a long couple of hours to do but is worth it.is easier to do with medical bills but for other you may have to get a supervisor to resolve the issuse since most customer services people lack the skill of listening. but eather than that it will get remove so be patient because you may needed.

Results 1-10 of 12Results per page: 5 | 10 | 25Page 1 of 2   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.