topic Re: disputing and error in Rebuilding Your Credit

disputing and error

Anonymous — Sun, 09 Jan 2011 06:11:54 GMT

I disputed an error on an account still listed with a balance that was sold to a collections, I paid it in full but the original lender still has the balance listed and its killing my score. They didnt fix it when i disputed it what should I do

Re: disputing and error

Anonymous — Sun, 09 Jan 2011 17:39:16 GMT

@Anonymous wrote:
I disputed an error on an account still listed with a balance that was sold to a collections, I paid it in full but the original lender still has the balance listed and its killing my score. They didnt fix it when i disputed it what should I do

Who did you dispute with?

Re: disputing and error

RobertEG — Mon, 10 Jan 2011 01:14:33 GMT

How is the balance listed?

If the debt has been paid, both the OC and CA should now show a $0 balance.

If the OC account was ever charged-off, then your CR might still show the amount of the original CO. That would not mean that any debt is owed to them.

Re: disputing and error

Anonymous — Mon, 24 Jan 2011 21:06:26 GMT

The account was charged off. I paid the CA who is reporting paid in full. The OC is still showing the late balance. I've tried talking to the OC which is hard since it was a bank that was sold to another bank, however they were rude and not very helpful. Should I send the bank a letter explaining all this with a copy of the paid in full from the CA to get this taken care of or is there a better way to do it. One CRA was smart enough to figure it out when I disputed it and they fixed it the other two not so smart and said it was still correct which it clearly isn't. Thank you for the help

Re: disputing and error

Anonymous — Mon, 24 Jan 2011 22:00:41 GMT

I forgot to say the OC is still reporting the full balance and a late balance of a different amount.

Re: disputing and error

Anonymous — Sun, 30 Jan 2011 09:28:37 GMT

can anyone point me in the right direction?

Re: disputing and error

llecs — Sun, 30 Jan 2011 17:56:04 GMT

@Anonymous wrote:
The account was charged off. I paid the CA who is reporting paid in full. The OC is still showing the late balance. I've tried talking to the OC which is hard since it was a bank that was sold to another bank, however they were rude and not very helpful. Should I send the bank a letter explaining all this with a copy of the paid in full from the CA to get this taken care of or is there a better way to do it. One CRA was smart enough to figure it out when I disputed it and they fixed it the other two not so smart and said it was still correct which it clearly isn't. Thank you for the help

I'd send a GW letter to the exact same address as the one on your CR and ask them to update, then go into a "BTW" and ask them to remove any lates and/or neg. comments.