I just got my one of my reports and it's saying I am like four years behind on payments. However it shows a zero balance and the account was paid off almost six years ago. How can that be? How can I have a zero balance and be showing +120 days late on a payment. I know for a fact this account was paid in full and closed. I have the documents to prove as well as the check showing it was cashed. Thanks for any advice anyone can provide. -David
Thanks and I understand the dispute process. But seriously is this just an error that it would say I am late last month and for the last four months as well? I mean I know 100% that the account was paid in full and closed. How can there be an error this big on your report?