they reported that im over my limit on my card but i dont even have a card or account with them. i dont know what process to go through to correct this.
2007-02-14 08:41:21 · 9 answers · asked by max 1 in Business & Finance ➔ Credit
Contact both the CRA (Credit Reporting Agency) and the information provider. First, tell the CRA in writing what information you believe is inaccurate. Include copies of documents that support your position. Request deletion or correction of incorrect information. You can find sample letters on internet, one can be found here:
http://www.howtoestablishgoodcredit.com/Credit_Articles/index.php?page=1&category=5
CRAs will reinvestigate the items in question--usually within 30 days. They also must forward all relevant data you provide about the dispute to the information provider. After the information provider receives notice of a dispute from the CRA, it must investigate, review all relevant information provided by the CRA, and report the results to the CRA
2007-02-14 09:08:47 · answer #1 · answered by Anonymous · 0⤊ 0⤋
It is common for your credit report to contain incorrect information. That is why everyone should check their credit at least once a year, or before they try to obtain credit for a large purpose. They do not do it on purpose, but your name may be the same as the person who's report it belongs on, or they may have mistyped the SSN. It could also be a sign of identity theft.
Contact the credit bureau that has the incorrect information on your file. Dispute the record in question, giving them your name, SSN, and address. They will notify you the result of their findings. If the CC company still says you are their customer, you can verify the information directly with them by contacting their customer service.
2007-02-14 16:49:10 · answer #2 · answered by Brian G 6 · 0⤊ 0⤋
Contact the credit card company insist that they forward a copy of all information that says that you have an account with them. Make a copy of this letter and send it to all credit reporting services.
The credit card company is usually not in the habit of making claims that are not correct. Identity theft does happen, and records have to be corrected, DID NOT THIS COMPANY TRY TO COLLECT THIS BILL BEFORE? If they contacted you before and you did not respond, you are at fault that it is getting out of hand. If they don't have your billing address, how is it that you know that you are being billed?
2007-02-14 16:55:44 · answer #3 · answered by whatevit 5 · 0⤊ 0⤋
Initially you need to file a dispute through the credit bureaus, then you can work on settling this with the company itself, but if they're falsely reporting information when you don't even have an account, I wouldn't expect much help. Record all contact with anyone you have and keep a good paper trail. It will likely take time and persistence to get it removed but don't get discouraged as you deserve to have a clean record. Good luck!
2007-02-14 16:53:01 · answer #4 · answered by CSUflyer 3 · 0⤊ 0⤋
It sounds like you already have a copy of your credit report. If so, the addresses for the 3 bureaus should be on there already. Send them all a dispute letter, clearly outlining what is wrong. Send it certified mail with return receipt from your post office. The receipt you get starts the clock on the investigation, don't just send it regular mail or you'll have no proof they got your letter.
The bureaus have 30 days from receipt of your dispute to complete their investigation. They will then send you the results and hopefully it will be gone.
If you don't already have your credit report, you can get your legally mandated free annual report at : http://www.annualcreditreport.com
I've never pulled mine there, but I assume it's got dispute information on that website as well.
2007-02-14 16:50:30 · answer #5 · answered by Yanswersmonitorsarenazis 5 · 0⤊ 0⤋
What To Do If There Are Inaccuracies On Your Credit Report: (excellent article)
2007-02-16 01:11:18 · answer #6 · answered by Anonymous · 0⤊ 0⤋
1) write a letter to them and send it to them with RETURN SIGNATURE CONFIRMATION.
2) CC that to the credit companies (EQUIFAX, EXPERIAN, TRANS UNION, any of them), the Better Business Bureau, and save a copy
3) give the credit card company a timeline to respond (30 days) and if they dont change it, then call the credit reporting agencies and ask them what to do
2007-02-14 16:53:27 · answer #7 · answered by rashmanrecords 1 · 0⤊ 0⤋
File a dispute with them. They are required to investigate the compaint. Did you consider that maybe someone is using your identity? If you suspect that this could be...then you need to ask for a fraud alert with the credit reporting agencys.
2007-02-14 16:58:38 · answer #8 · answered by Pinky Lee 2 · 0⤊ 0⤋
contact them and tell them they have the wrong information in writing and keep a copy for yourself. also send a copy to the three credit bureaus.
2007-02-14 16:45:10 · answer #9 · answered by katie d 6 · 1⤊ 0⤋