01-22-2013 10:21 AM
I have a CA that is reporting and trying to collect a balance on a debt that was paid back in 2010. Therefore, the CA has been reporting false information for the past three years. So my question is can I file a complaint with the CRA an request to have that item deleted for false information?
01-22-2013 10:33 AM
Do you have proof that it was paid? If so, I would send a GW first and ask for deletion before going the other routes. I would advise them that this has been paid and has wrongfully hurt your scores over the past 3 years. Be nice about it and see what they send back.
01-22-2013 11:35 AM
Send them the GW!
01-22-2013 01:39 PM
All they would have to do is say oops,, and update it. How about going the GW route first, it would be better to try some GW before complaints.
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.