Jen
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I've had this same thing happen to me. The best thing for you to do is contact the place where the account is. For example, if it's a Visa credit card that says it's still open, call Visa. They will give you directions on how to write to their credit bureau investigation people to get it straightened out. You may also contact Experian, they can sometimes investigate it for you.
Just so you know though, this process can take up to 30 days. There is no need to pay for a lawyer, you can do this on your own. Good luck! |
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randyssgirl25
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if you viewed your credit report from experian online then you can log into your credit report again and when you do there should be the option to dispute somewhere on the page if you click on this and then follow the steps and just let them know that they have been paid then experian will contact the creditors and find out when and if they are paid and then if they find what you say is true they will update your credit report sometimes it may take up to 30 days for the results to be displayed but they will also send you a statement in the mail showing the changes made to your credit report, I have had to do this several times and they always get it taken care of this way! Best of Luck |
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amazingly intelligent
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Dispute it with the credit bureaus. Many people sell this kind of recovery technique when it is available to everyone. The creditor must respond within a certain number of days. If they don't the negative information is removed from your credit report. This even works for people who DO owe the debt! Write a letter disputing the record. Since you are paid up, you may want to include that proof as well. |
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Job Lowe
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Having accounts paid doesn't necessarily mean they are closed. In fact, having open accounts with zero balances is often a good thing (especially if they are old). I would be very careful about challenging a listing on this basis. You can of course, but if they aren't showing delinquencies or something that will negatively impact your FICO you may be better off leaving them alone. |
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Brey
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Contact the credit companies AND the credit bureau.
File online disputes with all 3 credit bureaus and call up the credit companies -- tell them to have the file removed from your report as the acct is paid in full. Unfortunately, some credit companies will refuse to remove the file even after you pay them.
You really have to press both of them to remove those items because they will affect your credit negatively the longer they remain on your report. |
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Crazy Cat Lady >^..^<
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They have a link on the Experian page to dispute your report.They will send you a letter telling you the results..BUT remember if you receive a letter asking you for your SS number or any other information it's a pishing letter I received one that looked just like Equfax stating they need more info and I had to prove my identity to them they wanted my SS number as well as my Drivers Licensee number my last known address.I did not send them anything I called Equfax they told me it was a fraud letter. |
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Bruce
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Call them up and dispute their claim against you. To do this however you will have to provide proof. And once they are satisfied then they can adjust your credit rating to a better score. |
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dollfacedbaby1
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There's no need to hire a lawyer. All you have to do is contact the credit reporting agency (in this case Experian) and tell them the information in inaccurate.
They may ask you if you have proof that you paid the account. If that is so, then you have to show them proof. If you don't have the proof with you, you can always contact the company and they will be happy to give you the proof you need to get your credit report corrected.
Good luck. |
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askaway
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If someone has gotten credit in your name, contact the credit agency you got your report through. They will most likely tell you that you have to go to your local police department and file a report. The next steps depend on how serious the inaccuracies are.
GOOD LUCK, I am going through the same thing right now, it really angers me because we were going to buy a house this year, and now it will take two to three to clear up my report.
Use your own credit or don't use any at all!!!!! |
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grandmasvagina
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Hire a lawyer and they will help you take the necessarry steps to resolve the issue. |
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