Wrong info on credit report!!

iVillage Member
Registered: 10-16-2007
Wrong info on credit report!!
11
Sun, 01-11-2009 - 12:53pm
I looked up my free equifax credit report yesterday, and I have two accounts on there that certainly don't belong to me. One is a collection and the other is a credit account. I am so mad because now I have to start investigations on each one, wait for them to let me know what happened and than start to look into everything else myself. It is soooooo time consuming.
Lilypie 2nd Birthday Ticker





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iVillage Member
Registered: 03-17-2003
Sun, 01-11-2009 - 1:22pm

Be sure to check the other two credit reports to see if those wrong accounts are also reported to them.

iVillage Member
Registered: 01-10-2009
Sun, 01-11-2009 - 1:28pm
Actually what you need is a debt validation letter to these inaccurate accounts a validation letter makes the company validate the debt owed and if they cant provide you with proper documents that validate the debt in question they must remove it from your report.
iVillage Member
Registered: 03-17-2003
Sun, 01-11-2009 - 1:35pm

Disputing with the CRA is the appropriate first step.

iVillage Member
Registered: 01-10-2009
Sun, 01-11-2009 - 1:51pm
Have either one of you ever thought of settlement with your creditors? this reduces the debt by thousands and has it payed off in less than 3 years with no negative marks on your report
iVillage Member
Registered: 03-17-2003
Sun, 01-11-2009 - 1:56pm

Absolutely not and for two (2) very good reasons:


1.

iVillage Member
Registered: 01-10-2009
Sun, 01-11-2009 - 2:01pm
you know i am only here to offer help why would you scream tos to someone who is trying to help people
iVillage Member
Registered: 09-07-2003
Sun, 01-11-2009 - 5:06pm

normally I don't talk to spammers, but since you are a responsive one, slightly, Here's a question.


If you are here to help, then one would assume you had READ the post.

Teresa
http://www.affordingpickles.blogspot.com

iVillage Member
Registered: 05-20-2005
Sun, 01-11-2009 - 5:16pm
Teresa, you took the words right out of my mouth.......lol.

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Wedding
iVillage Member
Registered: 10-16-2007
Sun, 01-11-2009 - 5:35pm
Thank you from me also, you took the words right out of my mouth too :))
Lilypie 2nd Birthday Ticker





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iVillage Member
Registered: 09-07-2003
Sun, 01-11-2009 - 6:15pm

*blush*


Oh good!

Teresa
http://www.affordingpickles.blogspot.com

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