Experian Free Credit Report Disputes
2010
Collection Agency falsely reporting on my credit report?
I got an alert from Free Credit Report saying there was some new activity. I went on there an a collection agency that I paid in full three years ago, just reported as a new collection and that I still owe $272. That made my credit score go down 32 points.
It really pisses me off because I am in the process of getting a new apartment, and now my security deposits my be higher. It only reported to Experian with whom I already submitted a dispute. The company will not answer their phone. How long do you think it will take for that to get fixed, and legally what can I do to that collection agency for their error?
Yea I have written proff from the company that it was satisfied. I had to pay this off to get my mortgage approved. So I have proof which I will submit. I just want to know what can I do to this collection aganecy for their error which is going to cost me when it comes to getting a good sec deposit.
Did you look closely at the item as it is showing on your Equifax report? Does it say “paid” or “settled”?
Paying off a derogatory does not get it removed from your credit report. Send your dispute to Equifax with a copy of your payment proof. But if the item is still within the 7 year reporting period, it will merely be shown as paid and will continue to adversely impact your score.
What is a good credit score?
Comment