I owed a $10 charge to Target from 2002. I just checked my credit score, and noticed they had reported this single debt "90 days overdue" 55 times -- i.e., every month since the charge occurred in 2002 up to the present month, December 2007. I NEVER recall receiving any statements or phone calls regarding this charge. Target claims they tried to call me and send me statements about it, and since the statements were never returned to them in the mail, they cannot remove the marks on my credit. They also claim that, by law, they have the right to repeatedly report my overdues to the credit agency even without making any effort to find me and contact me about the debt (because the $10 charge is not worth their time).
Does anyone know if they can keep reporting me every month without making any sort of effort to contact me / collect the debt? Does anyone know who I should contact and what I should do to try to get them to take these overages off my credit report? What type of letter should I send?
Also, does anyone know if they can report a single debt as "90 days overdue" over and over again?
Message Edited by csnappy2 on
01-27-2008 04:15 PM
