Hi guys,
I know one of you can help me with this. I think I know how to handle it, but not sure.
I've had a derogatory account on my Experian report for 4 yrs now. A totally bogus account that I only found out about back in September when I started checking my Credit reports. Since it was already over 3 yrs old at that time it seemed to have little affect on my credit scores. ( Only shows on Ex. and my scores across the board were all within 10 points of each other.)
Two days ago my Ex. Fako was 721...today I checked and it had plummeted to 645! It appears that another CA is reporting the same old account as the previous CA...with a change in date and a different account number. (see below).
My question is, can I dispute this with EX. as a duplicate account and have it removed? And, should I do the dispute in writing or is it just as well done from Truecredits site? Any other actions I should
Have to say that I find it interesting that this reports as "opened" in Setember...then same month I began checking my credit reports frequently.
Have to say that I find it interesting that this reports as "opened" in Setember...then same month I began checking my credit reports frequently.
Thanks for reading and for your help....Vee
Creditor Name: NCC BUSINESS SVCS INC Account No.: 8001453 Original Creditor: SM PROMINENCE Responsibility: Individual Condition: Derogatory Original Balance: $291 Balance: $291 Date Opened: 09/2007 Date Reported: 02/21/2008 Remarks: [TransUnion] [Experian] [Equifax] 
SAFERENT Creditor Name: SAFERENT Account No.: CATR1251934 Original Creditor: SM PROMINENCE Responsibility: Individual Condition: Derogatory Original Balance: $291 Balance: $291 Date Opened: 04/2004 Date Reported: 05/27/2004 Remarks: Message Edited by VEEnVEGAS on 02-23-2008 02:49 PM
Message Edited by VEEnVEGAS on 02-23-2008 02:51 PM