Reply
Valued Member
Posts: 46
Registered: ‎08-12-2007
0

Can I dispute CR info in this case

[ Edited ]

I seem to remember reading that if you have an account on your credit report which indicates previous lates, you can possibly have the entire account deleted if there is no account number being reported. Is that correct, or am I getting something confused here? The case being made is that they have to prove the account in question in fact belongs to you, and if they cannot, they are obligate to remove that account from your credit report, taking any lates or baddies with it.

 

In my case, I have a few accounts, which are indicated as long since been closed, which are reporting lates from about 2003/04, however it just says "Account Number Not Reported". If it were you, what action would you take here? Would you dispute it as not your account due to no account number being shwn, or would you just let it go and hope the lates fall off in a year or two?

 

Appreciate any assistance.

Message Edited by stealth71 on 11-29-2008 01:27 PM
Message Edited by stealth71 on 11-29-2008 01:38 PM
Super Contributor
Posts: 8,195
Registered: ‎03-25-2007
0

Re: Can I dispute CR info in this case

Are they your accounts and were they actually late?
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Highlighted
Valued Member
Posts: 46
Registered: ‎08-12-2007
0

Re: Can I dispute CR info in this case

I don't know. No account number, so I can't even verify it myself.
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: Can I dispute CR info in this case

Are you looking at reports directly from the CRA or from a 3rd party supplier, like myFICO and TrueCredit?

 

On the accounts in question, who is reporting them? The OC or CA?

-----------------------------------------------------------------------------------------------------
Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources
Valued Member
Posts: 46
Registered: ‎08-12-2007
0

Re: Can I dispute CR info in this case

I went to my account on Myfico.com and pulled my Equifax report from there. Under my "Accounts" (section #4), this is where I'm finding some accounts that do not have the account numbers listed.

 

For your second question, I don't know how to determine who is reporting these accounts. 

Moderator Emeritus
Posts: 7,970
Registered: ‎12-19-2007
0

Re: Can I dispute CR info in this case

Stealth, isn't there a name in the creditor section?
___________________________________________________________________
Do what is true in spite of the consequences--your future is only as true as you are.
Valued Member
Posts: 46
Registered: ‎08-12-2007
0

Re: Can I dispute CR info in this case

Yes. Two are gemb, and another  Cap One.
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: Can I dispute CR info in this case


stealth71 wrote:
Yes. Two are gemb, and another  Cap One.

 

 

Those are the OC(original creditors).

 

Did you have accounts with them?

 

You need your full reports from the CRA before disputing anything. There is a chance the account numbers will show up on those reports.

 

Also, I don't know that reporting of account numbers is required.

 

 

-----------------------------------------------------------------------------------------------------
Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources
Moderator Emeritus
Posts: 7,970
Registered: ‎12-19-2007
0

Re: Can I dispute CR info in this case


sidewinder wrote:

stealth71 wrote:
Yes. Two are gemb, and another  Cap One.

 

 

Those are the OC(original creditors).

 

Did you have accounts with them?

 

You need your full reports from the CRA before disputing anything. There is a chance the account numbers will show up on those reports.

 

Also, I don't know that reporting of account numbers is required.

 

 


Particularly if you have had accounts with them. If you never did, then dispute w/o the free reports (you don't want to give them an extra 15 days to investigate).
___________________________________________________________________
Do what is true in spite of the consequences--your future is only as true as you are.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.