Some advice on an acct that is not mine...?

Question

I need some advice on a problem that I have. In 01 i had opened an acct w/ my friend (she was the primary, I was the co-signer) at a furniture place. Anyways we paid off the account and CLOSED it. I even checked my credit report to make sure it said "Account closed by consumers request" and it did. Well it's been a long time since I've spoken to my friend and now i am purchasing a house. But what got me was that when my credit got pulled , it said that I opened an acct in 04 (w/ the same furniture place) and not just that but that I had a late payment! I NEVER OPENED AN ACCT w/ that place. I contacted my old friend and she said she had opened a new acct and that she had no idea I was on there. So I contacted the furniture place and and they said they were going to do a complete investigation. I wrote a letter to their Fraud dept and now I am waiting. I want this taken care of ASAP.This girl is affecting my credit andI am in so much stress. What shouldI do?do I wait for them 2contact me

Answer 1

You need to notify and get an appointment with one of the credit reporting bureaus such as Experia, TRW.... When you go, bring all information with you concerning the account showing closed and get a notarized statement from your friend that SHE was the one that opened the account and you shouldn't be on it...better yet, bring her with you when you go.

Working with the store is a waste of time. Just go see them and make sure they remove your name from her account - she will probably have to go with you.

If you don't work with the credit reporting people directly, this will never clear from your history.

Answer 2

Yuppers, you gotta wait for a little while for them to do the investigation, but there's nothing that says you can't call them to check on the progress of the investigation. Enough of that and they'll get moving just to get you off their backs. Registering a complaint with the BBB and/or the local chamber of commerce usually gets the fire lit too so I'd try that as well.