My dh and I have an old joint account that was listed as revolving - to Unicorn Financial. It was for some extensive dental work (dentures). We didn't know the account would be revolving, we didn't ask for that, we thought it was a one time loan. We had a BIG issue with the dentures, the dental office kept screwing up the dentures for 6 months!! So, we threatened to withhold payment until my dh got his teeth - can you imagine 6 months without proper teeth?? It worked, he got his teeth and we paid the account in full, and I requested and received a PIF letter. This was back in January 2005.
Unicorn is listing the account on my dh's report as a paid charge off in August 2005. On my report, they list it as bad debt / collection - 120+ late, and paid charge off.
What should I do with this? I've written to Unicorn to have them correct the account and they won't. (of course, I wasn't too friendly in my letter - I should have read this forum first) I would just like it accurately reported or even go away. Sure we were late because of the dispute and not getting the merchandise we were paying for, but then we paid in full immediately after receiveing the proper teeth.
So, this darn thing is going to stay on our reports inaccurately for the next 4 years? Is there ANYTHING I can do?? I'm afraid if I dispute it on my dh's report, then they'll come back and change it to all those lates like on mine. These people are not friendly at all.
