@Anonymous wrote:Hi All!
I have an energy bill that was in my name in which half ($53) was unpaid by an old roommate that's still showing 3 years later though it has been paid off since 12/9/16 and close of 3/10/16. I believe it's showing as a (closed) delinquent/collection on Experian from what I can see on Discover Credit ScoreCard..It doesn't show the itemized adverse account list on that platform. I believe its showing as closed. It is showing paid in full; was in charge-off for TransUnion on my CR. On Credit Karma it's showing as a closed account for both TransUnion and Equifax. It doesn't show the itemized adverse account list on that platform.
I only requested my annual credit reports for TransUnion and Equifax to have one more to pull if needed during the year. I believe I intended to pull Experian but got mixed up since I had issues with receving them online and had to do by mail.
I also have an unauthorized hard pull from this autoplace here. Is that just as simple as disputing it. I recall attempting to do this before online and it wasn't a clickable option to dispute. Not sure if I did something incorrectly there.
Can anyone please assist in taking care of these? I'm confused and feel as though I'm missing some vital pieces of information to understanding and executing this correctly.
I've been working on building my credit for about 3 years now and the process has not been as quick as I would have hoped but I am determined.
Thank you all for time!
Go to Credit Karma and click on TU. Then click "derogatory marks" which would show a number in the box. Repeat with EQ. If it isnt there. Its not a collection account, Or it was removed. I believe in person is much better than using a computer to dispute things. Go to the car lot with a copy of the HP and have them delete it since its a "autoplace" there. I narrowed it down due to the many places you looked and its a tad confusing. Welcome to the forums.
