My Credit Ruined?

Question

I recently looked at my credit report and there was showing that I owed A cable company some money, But I never had service with them. This is really affecting my credit what can I do to remove this from my report? Will I have to pay someone to remove it or is it possible to do it for free? I don't want to put money into something I never even applied for to begin with.

Answer 1

You can resolve this yourself. Cable companies have been bought and sold, so maybe the name on the credit report is not the name of the company you know? So maybe you had service there.
There are a series of steps you need to go through.
Is there contact info on the collection account? If so contact them.
If you owe the bill, contact the company directly then ask for a statement of final balance due.
Send them a certifed letter explaining this account is in dispute. Say that you never recieved the final bill.
Then you want them to send you a letter stating that if you pay the balance owed they will remove the collection notice, not just set it to zero, but delete the entry from your credit file.

Answer 2

well first you have to spend some money to get that off get a credit report from freecreditreport.com and then theres a dispute and information button you open a case and tell them its not you and its fradulent, and they will look into it and have to take it off its a process though so be patient everything with credit is a friggin process! :(

Answer 3

Wow. Credit issues can be the most stressful of anything.

You will have to call them to get it straightened out. In theory, this will automatically reverse the damage.

Answer 4

call the company. if it's something that isn't confronted right away, then it can damage your credit. talk to the company, and they will tell you the steps to take.