Comments on: Credit Report Disputes

By: James Mcdermott

James Mcdermott — Tue, 27 Oct 2009 19:27:28 +0000

Question #2; can a credit agency claim ” Charge-Off”, “Charged off as bad debt”, “Unpaid balance reported as a loss by credit Grantor” if some form of payments within the DATE OPEN, BALANCE DATE, or PRIOR DEALING were recieved? Thank you for all of your help.

By: James Mcdermott

James Mcdermott — Tue, 27 Oct 2009 19:21:20 +0000

I recently requested to have all three of my credit reports mailed and found two areas which had me alarmed. The first, pertaining to question #1, The report shows the following:
Chevron:(XPN)Date Open| Balance Date |AccountStatus |PriorDealing
12-05 04-08 Paid account/ 09-07
90dys past
//revolving; closed account; paid
_______________________________________________________
Chevron:(EFX)Date Open| Balance Date |AccountStatus |PriorDealing
12-05 09-09 pays accnt as 03-07
agreed.
//revolving; closed account;paid
_________________________________________________________
Chevron:(TU) Date Open| Balance Date |AccountStatus |
12-05 09-09 paid or
paying as
agreed.
//revolving closed account;paid
_________________________________________________________
All of the accounts are on $0 past due. I’m positive I was working on payment agreements with the organization. And they did tell me it would not be reported to the credit agency. I obviously have to dispute that, I plan to get a copy of my bank statements showing payments made. My largest area of concern are the dates. Why is it showing “BALANCE DATE” on (TU) & (EFX) when I never handled this matter in 2009 and I don’t even think 2008 either, I believe it was handled between 2005 – 2006. Further more are any of these eligible as “duplicate disputes”? Thanks.

By: Lee Garcia

Lee Garcia — Fri, 10 Jul 2009 21:44:23 +0000

I am in the same boat as your inquirery , I have had some items deleted from one source only to be confirmed by another . I thought that if one co. could not confirm a valid debt then the others must also delete

By: Lisa

Lisa — Fri, 06 Mar 2009 19:50:04 +0000

How do I dispute a negative report on a Business Credit report? When you pull it up there is no where that says if you have a dispute ?????

By: annualcreditreport

annualcreditreport — Fri, 27 Feb 2009 07:43:21 +0000

Sometimes it quite a bit complicate because we have to give them all necessary information and we might forget it. So you should keep your bill every month to compare with credit report.

By: freeannualcreditreport

freeannualcreditreport — Thu, 26 Feb 2009 13:20:23 +0000

We should request credit report and check all the record listed on. If we have a confident, law allow us to challenge it to credit bureaus. They will remove the record if it wrong as we state.