Please help me regarding a charge off on a Best Buy Account that I settled.
This is how it is reporting to the credit bureaus. Please help me if you can. Thanks!
Experian:
Capital One/Best Buy
Status: Paid in Settlement
Creditor's Statement: Account legally paid in full for less than full balance
Date Opened: 8/2006
Reported Since: 9/2006
Last Reported 8/2007
Status Details: This account is schedule to continue on record until June 2013
Account History: Charge Off as of Sep 2006
Transunion:
HSBC Best Buy
Date Opened: 8/2006
Balance: $0
Date Updated: 8/10/07
Last Payment Made: 8/10/07
Pay Status: Current; Paid or Paying as Agreed
Date Closed: 8/10/07
Remards: Disp Invg Comp-Consum Disagrs; >Settled-Less Than Full Blnc< Closed
Status Details: estimated month and year that this item will be removed: 7/14
Equifax:
HSBC/BSTBY
Status as of 3/2013
Date Opened: 8/2006
Description: Consumer disputes after resolution Account paid for less than full balance
Starting Score: 672 TU, 669 EQ, 659 EX FAKO(10/3/11)
Will do I have a call into their dispute center a number I got off a letter they had sent to me about a year ago. Once I get a response I will let you know. Thanks!
So I did just that I called each of these places and they all stated that they didn't have access to that information. The creditor said I had to contact their dispute center which I did and had to leave a message. Awaiting a return call and I am hoping they do call. What happens if noone can give me this information? What would be my next steps?