Continuing on from my previous thread

[Percy]

Continuing on from my previous thread in "Credit Cards" that had to do with Rebuilding Credit

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=182919&view=by_date_ascending&page=4

I have a BofA collections currently that is showing up in TU incorrectly... which i paid in full and is reporting that it has not been settled, i currently have the proof that it has been paid in full, how do i contact TU stating that it is reporting incorrectly, and i would like it to be removed from the CR. I know theres a specific way to say it. I have the paper ready to fax.

Thanks!

[Anonymous]

Easy! Was this a judgment? If so, dispute it with TU or if you had an agreement with Creditor for deletion you need to have them delete it.

In any case, is there anything else wrong with this particular account? Meaning incorrect dates, high balance, Estimated time for removal, etc...

edited

woowoo, your posted link and suggested advice violate our Credit Repair Discussion Guidelines, Terms of Service, and User Guidelines that prohibit the promotion of certain types of credit repair.

Message Edited by llecs on 09-24-2009 11:27 AM

[Anonymous]

I am not a mod so I can not edit your post.  But, to let you know you can not post urls for these other boards on this forum.

Message Edited by llecs on 09-24-2009 11:27 AM

[Percy]

What is a judgement? um.... what do i tell TU? What type of letter do i send them for removal with the letter i got from bofa saying i PIF?

[Anonymous]

A judgment is a public record.  Someone sued you, a tax lien, something of that sort.

Contact BOA and tell them it is still showing unpaid and ask them to report it correctly.

Message Edited by guiness56 on 09-24-2009 09:07 AM

Message Edited by guiness56 on 09-24-2009 09:08 AM

[Percy]

nope no judgement if thats the case...

[Anonymous]

If you dispute as paid, that is what it will be update to if they verify.  If not it would be deleted.

[Percy]

i dont get it.... since they are reporting false information... arent they violating something. dont they need to remove it if this is the case?

[Anonymous]

If they can not verify the account then it will be removed.  If they verify it as paid it will be updated to paid.

The CRAs only report the information given them by the creditors.  It is possible BOA has not told them it is paid.

How old is the account? 

[Percy]

see but isnt BofA supposed to report PIF? its showing that theres still a balance... and i heard if the OC is reporting inacurrately i can dispute it through TU and get it deleted... is this true?