@Anonymous wrote:I don't mean this as sarcastic or rhetorical. I really want to know if ther's any harm in disputing items. I mean, seriously, what's the worst that can happen? I've been working on cleaning up my hubby's CR and I can't get anyone to validate anything. He has a common name and some trade lines have come off because its the wrong person, but when I send DV ltters, the CA just come back with a general letter so I have tried get in touch with OC, but to no avail. How can I pay the debt when I don't even know if they're our debts to pay? I want proof, not just a letter!
Yes there is, at least in my experience regarding student loans. American Student Assistance was paid off back in 2012 (and closed in 2012) through a consolidation loan but they were mis-reporting. I disputed with the 3 bureaus and experian updated the report as a current collection as of Aug 2015 and now on CCT I have a "late payment" as of 6 months ago times 3 (3 ASA loans). My EX score dropped considerably because of this. I have disputed again with EX and also CFPB and I'm stuck with it until the end of 2017 when the accounts fall off. If the loans are paid off 4 years ago, how can I have a missed payment just 6 months ago? It is so messed up, so be careful!
Experian's response was that is the only data they have for the accounts. So I sent them a credit report back in 2012 showing they were paid off and closed back then and they said the documents I sent were not acceptable. Like I said above, be careful. Do so at your own risk.
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