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@Anonymous wrote:Well I just thought I would give a update. I was dealing with a credit agency called "Penn Credit Corp". I originally noticed there was a CA In the amount of $180.00 on all 3 CR. I called a few times asking for a pay to delete. They kindly refused. I explained that I have no knowledge of the account but am seriously willing to pay the small amount in exchange for full deletion. Once again they decline an said if it's not your why pay. Well true, but it such a small amount an I just want it off. Well I ended up contacting the company that the account was originated from an sent them proof that I was over 3000 miles away at the time the account was created. I also sent them a copy of my utility bill, lease agreement, pay stub an a affidavit dating around the time the account was opened. Well they found the account to not belong too me so it's been removed. How long will it take to update to all 3 bureaus?
Congrats on a resolution. It can take up to 30-45 days to update. Definitely hold onto any documentation, in case you need to involve the CFPB at a later time.