topic Re: How do I dispute this? in Rebuilding Your Credit

How do I dispute this?

hoping2rebuild — Fri, 19 Mar 2010 02:12:55 GMT

This a CA showing up under the regular accounts and not in collections, how do I dipute this with the CRA's to get it removed or changed? I didn't think that they could report lates? Thanks

Credit Account Certegy

Status as of [?] Date opened [?] Date of last activity [?] Date closed [?] Account number [?] Loan type [?] Largest past balance [?] Terms [?] Account Type [?] Account holder [?] Scheduled payment amount [?]

Mar, 2010

Jun, 2008

Not Reported

$100

Not Reported

Open Account

Individual

Descriptions [?]

Account transferred or sold
Returned check

No contact information provided by Equifax

Balance [?] Current Status [?] Past Due Amount [?]

120+ days past due

Not Reported

Seven year payment history [?] 30 days late 60 days late 90+ days late

0 times

Re: How do I dispute this?

MrChairman — Fri, 19 Mar 2010 02:11:05 GMT

I have a Cap 1 account like this as well. It's a charge off but doesn't show under the "CO" heading on my CR, instead its under "Negative Accounts", is this grounds for a dispute?

-The Chairman

Re: How do I dispute this?

RobertEG — Fri, 19 Mar 2010 03:54:19 GMT

More info needed, please.

My understanding is that Certegy is neither an original creditor nor a third part debt collector. They appear to be a service used by certain credtiors in the apporoval of checks offered to them at time of sale.

Who is the original creditor on a reported debt default?

Is there a third pary CA? Did this "Certegy" ever provide you duniing notice under FDCPA 809(a) alledging to be a third-party collection agency acting on behalf of the OC?

So, first nail down the OC on any debt, then if their is a legit 3rd party CA, and then determine how this "Certegy" qualifies as either. If they dont, they cannot make post to your CR.

Re: How do I dispute this?

hoping2rebuild — Fri, 19 Mar 2010 11:27:31 GMT

Robert the OC is Lebo's

There is a 3rd party CA out there somewhere because Certegy has sold/transferred this account

I have never recieved anything from Certegy just found them listed on my CR