topic Re: How to properly dispute a negative on my Credit Report. in Rebuilding Your Credit

How to properly dispute a negative on my Credit Report.

Anonymous — Tue, 07 May 2013 21:01:22 GMT

I have one bad account on my credit report. Transunion doesnt show it anymore. Im sure they dropped it. Its been atleast 9 years already from what i know. If i am not mistaken its 7 years correct? that it stays on your report? Its an express old account. I called Express they said i do not appear on their system anymore. How do i dispute this. Only EX and EQ show it.

Revolving Accounts: Accounts with an open-end term

COMENITY BANK/EXPRESS

More about this account >>

	TransUnion	Experian	Equifax
Account #:		303**	19386730365****
Condition:		Transferred	Transferred
Balance:		$0	$0
Type:		Charge account
Pay Status:		Current	Current

Re: How to properly dispute a negative on my Credit Report.

Anonymous — Tue, 07 May 2013 21:07:23 GMT

Was it CO'd or sent to collections?

Re: How to properly dispute a negative on my Credit Report.

Anonymous — Tue, 07 May 2013 21:08:19 GMT

Do you know the DoFD?

Re: How to properly dispute a negative on my Credit Report.

Anonymous — Tue, 07 May 2013 21:12:42 GMT

@Anonymous wrote:
I have one bad account on my credit report. Transunion doesnt show it anymore. Im sure they dropped it. Its been atleast 9 years already from what i know. If i am not mistaken its 7 years correct? that it stays on your report? Its an express old account. I called Express they said i do not appear on their system anymore. How do i dispute this. Only EX and EQ show it.

Revolving Accounts: Accounts with an open-end term
COMENITY BANK/EXPRESS More about this account >>
TransUnion Experian Equifax
  Account #: 303** 19386730365****
  Condition: Transferred Transferred
  Balance: $0 $0
  Type: Charge account
  Pay Status: Current Current

I believe it was sent to collection. Sold to someone else

Re: How to properly dispute a negative on my Credit Report.

Anonymous — Tue, 07 May 2013 21:13:06 GMT

@Anonymous wrote:
Do you know the DoFD?

No i do not. I dont know the exact date. Cant find it on my report.

Re: How to properly dispute a negative on my Credit Report.

Anonymous — Tue, 07 May 2013 21:15:11 GMT

I'm no expert, but if Express is saying they don't show you in their system anymore, I would dispute with the CRAs. If they can't verify, they have to delete.

Re: How to properly dispute a negative on my Credit Report.

Anonymous — Tue, 07 May 2013 22:04:00 GMT

Well i called experian. They told me its not a negative item on my report. Apparently express sold it as an account in good standing.... and when it was closed. It was closed as an account in good standing makes no sense to me, because i never paid it. Oh well aslong as its not hurting me and its been reporting since April 2003 as good standing closed April 2009 in good standing.