Reply
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Is wrong apt no sufficient basis to challenge?

Ok, y'all were right about updated status on TU site from when I challenged gulf states/entergy. They changed on small thing on report and that was it. I'm trying to do a PFD but it's going no where. One thing I found out, they have acct as listed as my old address but have apt no as 331. This wasn't my apt. My apt was 1331. Is that sufficient basis to challenge as "not me"??


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Is wrong apt no sufficient basis to challenge?

But was it yours?

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Is wrong apt no sufficient basis to challenge?

I closed my account with zero balance and I don't recall ever seeing my bill from them as apt 311. So no, the amount of money they say I owe is not mine. How they reached this wrong conclusion is beyond me.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,111
Registered: ‎07-29-2011
0

Re: Is wrong apt no sufficient basis to challenge?

So try to dispute it then.  If it is your bill, it will come back verified and possibly with your correct apartment number.  If not, then it will disappear.

 

If you truely believe the bill is not yours, then that is what the dispute process is for.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Is wrong apt no sufficient basis to challenge?


Duncanrr wrote:
I closed my account with zero balance and I don't recall ever seeing my bill from them as apt 311. So no, the amount of money they say I owe is not mine. How they reached this wrong conclusion is beyond me.

OP, I asked because you made a mention that you tried to PFD. I'd call the utility and ask for the last couple of bills.

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Is wrong apt no sufficient basis to challenge?


llecs wrote:

Duncanrr wrote:
I closed my account with zero balance and I don't recall ever seeing my bill from them as apt 311. So no, the amount of money they say I owe is not mine. How they reached this wrong conclusion is beyond me.

OP, I asked because you made a mention that you tried to PFD. I'd call the utility and ask for the last couple of bills.


I offered pfd because the bill is small and quicker to get off my record than dispute. The pfd did not say that I acknowledge the debt.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Is wrong apt no sufficient basis to challenge?

Don't pay it if not yours. Def. don't offer a PFD. I'd ask for the last couple of bill copies from the OC. Once you get them put it back at them as it would show they are misreporting and tell them to delete. If they remain stubborn, then dispute with the bill copies.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.