03-06-2013 04:26 PM
I have the USAA monitoring, a few months ago these two negatives popped up, only on equifax. One was for an electric bill that a roommate failed to pay and ofcourse it was in my name. The other is from a landlord who is trying to charge me for replacing carpet. I haven't tried a pay for delete yet, but I'm sure they would take it. First I'd like to try to just wipe them off my report. Here is how they look on USAA.....I was going to write to equifax, any tips on what to say any writing? how to dispute them?
03-06-2013 04:32 PM
03-06-2013 04:34 PM
I'm not sure....I've gotten a few other things deleted with no basis at all. They were actually disputed online too. Maybe just say I don't recognize the accounts or that the amounts are wrong.
03-06-2013 04:42 PM
You can't dispute accurate information.
The charge for the electric bill is unfortunate but because your name is on it you will end up being responsible for it. You could talk to the OC and plead your case and see what happens.
As for the carpet I would look into your states Landlord/Tenant laws. Most are very specific about what can and cannot be charged for. In the case of carpet, if in fact something the renter did caused it needing replaced, they generally cannot charge for the entire amount. If the carpet was over a certain number of years old, only a fraction can be charged. Other things need to be followed also in order to even get to the point of collecting.
Many states are tenant friendly where some are not so much. It is worth looking into.
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.