Credit Cards Center Credit cards from our partners
Reply
Member
Posts: 7
Registered: ‎06-19-2007
0

What to do when a misreported baddie doesn't get addressed?

I have a hit on my report from AmEx for $38 that they charged off. (When I graduated, I requested they transfer the debt to another card and close the account. I think it was a fee or something. Then I moved.) I disputed the hit with AmEx and I haven't heard from them for over 30 days. What do I do now? Write the CRAs and send a copy of the letter? Wait longer? Send another letter to AmEx? Any advice would be fantastic. Thank you!
Frequent Contributor
Posts: 313
Registered: ‎04-01-2007
0

Re: What to do when a misreported baddie doesn't get addressed?

Call Amex, they are reasonable people. Ask if a PFD is feasible. If not, DV them explaining your original agreement.
Member
Posts: 7
Registered: ‎06-19-2007
0

Re: What to do when a misreported baddie doesn't get addressed?

Lori, Thanks for your reply. I actually paid the stupid $38 first thing. Then I tried to call them, but there is no phone number. . . just an address in Florida. I couldn't find the number doing any kind of reverse search that I know of. So, I sent them a nice letter stating that I had paid the $38, that I thought it was their fault and not mine and why. Its been over 30 days, and I am under the impression that if 30 days goes by with no response, that I get the hit taken off my report. Is that right? If so, how do I go about getting that changed if AmEx will not voluntarily do it? I think the best thing to do will be to send them a letter stating that their 30 days is up and they haven't responded. . . any other ideas? Thanks and have a good weekend!
Frequent Contributor
Posts: 313
Registered: ‎04-01-2007
0

Re: What to do when a misreported baddie doesn't get addressed?

Yes, that is correct if they do not respond to a dispute to from the CRA's or a DV from you. If it was more of a GW letter, then it's up to them if they wanna play nice.
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.