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Power bill on my credit.

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Established Member

Power bill on my credit.

I have a powerbill that just showed up on my credit report from 2006. It says it was wrote off by creditor for $26. I paid the bill before shutting the power off. I had just finished college and didnt keep the reciept. The thing is killing my score. Can I dispute this without any proof.
Message 1 of 8
7 REPLIES 7
Established Contributor

Re: Power bill on my credit.

How did you pay? Can't you reference your bank statements? Are you sure there wasn't a prorated final bill you weren't aware of?
 
I'd DV the CA and see what comes back.
08/01/2008 - 472 EQ; 523 TU; 454 EX
03/01/2009 - 574 EQ
08/08/2009 - 648 EQ
01/27/2010 - 671 EQ
07/04/2010 - 713 EQ
01/05/2011 - 730 EQ
05/14/16 - 762 EX
Message 2 of 8
Established Member

Re: Power bill on my credit.

I am not familair with the lingo. DV the CA?
Message 3 of 8
Contributor

Re: Power bill on my credit.

Have you called the OC to ask what gives? Maybe they made a mistake and would be willing to pull it back from the CA...
5/11/08 FICOs: EQ - 551
8/6/08 FICOs: EQ - 659, EX - 663, TU - 683
Message 4 of 8
Frequent Contributor

Re: Power bill on my credit.

DV the CA means to send the Collection Agency (CA) a debt validation (DV) letter to force them to validate that the debt is, indeed, yours.
7/7/09 TU: 630 EQ: 638 EX: ??
4/3/09 TU: 599 EQ: 606 EX: ??
Message 5 of 8
Senior Contributor

Re: Power bill on my credit.

Call them, offer to pay if it is owed. Demand that they remove it. Yes it is hurting.
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Message 6 of 8
Established Member

Re: Power bill on my credit.

Call the Power Company or the People who were reported to collect the money?
Message 7 of 8
Moderator Emeritus

Re: Power bill on my credit.

Call the power company and ask them about this debt.
 
Explain that you paid and thought no balance was owed.
 
If it turns out you do owe $26, ask them if they'd pull the account back from the CA and allow you to PIF and instruct the CA to delete from your report.
 
 
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Message 8 of 8
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