09-25-2011 08:14 PM
I had some credit card debt in the past. I went into a delinquent status and had debt shark law firms come after me. Luckily I was able to change jobs to a much higher paying job and pay off both cards with around $7000 on each. Unluckily, it still shows on my credit report as those cards never being paid. I disputed the charges on the credit report websites (equifax etc) but, the status remains the same.
Are there credit lawyers out there that I can hire to sort this out for me? all I have to confirm that I paid (and this should be enough), is a piece of paper from the credit shark law firm that both accounts were paid in full.
I'd appreciate any help anyone can offer.
09-25-2011 09:20 PM
I'd two things. First, I would contact via mail whomever is reporting the balance (e.g. the CC if reporting the $$$ or collection agency if reporting the balance) and enclose a copy of your proof of payment. Mention to them that they are reporting a balance on a paid account and ask them to either update to $0, or if you don't need the history in the case of an OC, ask for deletion.
Give them a little time to respond since most only update 1x/month. If after a month there is no response or no change to your CR(s), then mail a dispute to the CRA(s). Enclose a copy of the letter you mailed to whomever is reporting, enclose a copy of the payment proof, and ask them to delete for you.
09-28-2011 09:22 AM
credit reporting agencies (experian, transunion, and equifax)