Is it too late to dispute?

Anonymous · ‎07-20-2008

Hello,

I am new here and have been reading these forums for two days. I have just now started checking my scores and there are lines that I want to dispute but I am not sure if I have waited too long.

Here is my issue. Back in college (2003) my check book was stolen and many bad checks were written. I have a police report and affidavits for each check. When I checked my report, EQ shows 3 of these checks were sent to a CA in 2006. The totals on the checks and the OC match my affidavits. Is it too late to dispute these???? I have never been to collections and was not notified of this until I checked my FICO score.

Any advise is much appreciated!!!!

Thanks!

Anonymous · ‎07-20-2008

Hi Mojo, welcome to the forums.

It is never too late to dispute anything that is not accurate on your CR!!!!

To the EQ......mail CMRRR a dispute asking them to delete due to fraud.....send a copy of the police report.

At the same time I would send CMRRR the same letter & copies of the police report to the CA that is reporting.

Do not ever sign any letters going to the CA!!! just type you name.

Anonymous · ‎07-20-2008

Thanks HappyDays,

That is great news!!!!!

I do have one more question though...there is no name provided for the CA on myFICO under the collection. It is just a weird code, 606yc04204 to be specific. How can I get an address for them? I think that I read on a previos post that you could get that info from EQ. Is that right?

Thanks and have a good weekend!

Anonymous · ‎07-20-2008

MojoRisen wrote:

Thanks HappyDays,

That is great news!!!!!

I do have one more question though...there is no name provided for the CA on myFICO under the collection. It is just a weird code, 606yc04204 to be specific. How can I get an address for them? I think that I read on a previos post that you could get that info from EQ. Is that right?

Thanks and have a good weekend!

You will get this info from your CR IF you haven't pulled your free CR this year go to

https://www.annualcreditreport.com/cra/index.jsp

You CR should have complete info. account # the CA name & address. IF this is a medical collection it is NOT handled like other debts!!!