04-30-2007 07:17 AM
04-30-2007 07:50 AM
ktl55 wrote:I have a current Blockbuster (used the card this weekend) account. 2 years ago we had a movie that they insisted that we never returned. I fought it, the store looked for it and never found it. So we were responsible. They charged us for the movie and it ended up on my credit report because at this point a collection agency took over. We paid the $29. It's reporting on my Exp CR only. Do I have any leg to stand on since I still have the same acct with BB? Would this be considered a late payment since the acct is still open? I didn't bother disputing this account because I wasn't sure how? I read numerous times that consumers have had late payments removed.
This is how it is listed:
Original Creditor: Blockbuster Video
Date Opened: 07/2005
Reported Since: 02/2006
Date of Status: 04/2006
Last reported: 04/2006
Monthly Payment: $0
Credit limit/original amount: $29Call the CRA and ask them if you dispute the collection would they verify or just allow it to be deleted? Its 29.00 for goodness sake.
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.