Established Member
Posts: 13
Registered: ‎06-15-2007


I had an account with Raymour and Flanigan back in 2004. I paid off the account, and although it was a charge off, it was showing as a a zero balance for the past few years.
All of a sudden, I now have TWO accounts on my credit report from Raymour and Flanigan, one showing a zero balance, the other showing $9,000 past due!!!!
I disputed the account, it came back verified, I called Raymour and Flanigan, they said they would look into it and get back to me, but I know talking to them over the phone was bad...
Can anyone give me can I get them to remove the addtional account I never had, and delete the amount that I don't owe? Does anyone have a sample letter or an email address or mail address that I can send the letter to, like the CEO of Raymour and Flanigan.
Ugh, I am so upset, this was the first thing I paid when I started to clean up my credit!!!
Senior Contributor
Posts: 4,596
Registered: ‎09-14-2007

Re: Help????!!

"Can anyone give me can I get them to remove the addtional account I never had, and delete the amount that I don't owe?"
Ouch! That would upset me to no end.
Have you sent to the CRA's a DV? If you have and it has come back as verified, you can dispute with the CRA's as not mine.
If you have in fact paid it off, then I'd suggest a GW letter. The only way I'm aware of to have a collection removed, if it's paid.  Sometimes it works, sometimes it doesn't.
Good luck to you.
"Never ever, ever be late. Never" (FUTR)
Frequent Contributor
Posts: 396
Registered: ‎08-11-2007

Re: Help????!!

If you have the payment records, I would send those to the law firm indicating that you've paid, and that they are defaming your credit (also cc everything to the FTC and make sure the law firm knows that).

You can make it go away, but you need the documentation that you've made the payment. You can get copies of the canceled checks from your bank up to 3 years ago (at least) so hurry up and go through your check register so you can put together your case file.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+