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Disputed Dell: $0 Balance

Regular Contributor

Disputed Dell: $0 Balance

I disputed a Dell Financial account I saw on my credit reports and have recently noticed a $0 balance.
 
Under "remarks" on my TrueCredit notes it says Lost or stolen card.  Of course I'm relieved about the $0 balance, but what does this mean for me?


Message Edited by Drew on 05-06-2007 04:51 PM

American Express Blue Cash Everyday $25000
Barclays Sallie Mae World MasterCard $25000
Capital One Quicksilver World MasterCard $25000
Chase Freedom Visa Signature $25000
Discover IT $27000
US Bank Cash+ Visa Signature $25000
BofA Travel Rewards $18000

7 REPLIES
Moderator Emeritus

Re: Disputed Dell: $0 Balance

As long as it says lost or stolen card it will just report as a closed account.  You beat that one with a stick if you had the negative reporting removed as wel.
Moderator Emeritus

Re: Disputed Dell: $0 Balance

Sounds like you lucked out as the lost\stolen notation does not hurt you.
Regular Contributor

Re: Disputed Dell: $0 Balance

The only problem is that EQ is the only bureau that shows that.  It's been about a week since then.
 
Should I wait to see what happens to the other reports?  Or are there any other suggestions?


Message Edited by Drew on 05-06-2007 09:35 PM

American Express Blue Cash Everyday $25000
Barclays Sallie Mae World MasterCard $25000
Capital One Quicksilver World MasterCard $25000
Chase Freedom Visa Signature $25000
Discover IT $27000
US Bank Cash+ Visa Signature $25000
BofA Travel Rewards $18000

Moderator Emeritus

Re: Disputed Dell: $0 Balance

If you already disputed the others the only thing you can do is wait for a response.  If you haven't you need to dispute them individually.
Regular Contributor

Re: Disputed Dell: $0 Balance

The accounts were already disputed a long time ago, more then 45 days.
 
So, I'm a bit confused about where I should go from here.

American Express Blue Cash Everyday $25000
Barclays Sallie Mae World MasterCard $25000
Capital One Quicksilver World MasterCard $25000
Chase Freedom Visa Signature $25000
Discover IT $27000
US Bank Cash+ Visa Signature $25000
BofA Travel Rewards $18000

Moderator Emeritus

Re: Disputed Dell: $0 Balance



Drew wrote:
The accounts were already disputed a long time ago, more then 45 days.
 
So, I'm a bit confused about where I should go from here.


 
Coupla questions was the account actually in good standing or were you disputing to see if you could get a valid negative removed.  I only ask because you can always dispute again but the problem may be that this time they will verify the negative info with all three.  I had that happene disputing a student loan that I thought was deferred.  Instead of correcting it on the one report. Dept of ED updated all three with the negative info although it was only reporting negative on one to begin with so be careful.

Highlighted
Regular Contributor

Re: Disputed Dell: $0 Balance

I was trying to get a negative removed, but either way I want this account to be resolved.
 
If I can get the delete on the other two, than great, but I need to know where I go from here.

American Express Blue Cash Everyday $25000
Barclays Sallie Mae World MasterCard $25000
Capital One Quicksilver World MasterCard $25000
Chase Freedom Visa Signature $25000
Discover IT $27000
US Bank Cash+ Visa Signature $25000
BofA Travel Rewards $18000