Fix Credit Report Mistakes
2010
credit report wrong?
the day after my 18th b-day(feb ,10 ,06) i tried to start a sprint account, but the credit check kept coming back saying that i had once had a write off with them, when thats impossible, because u cant get a phone in your name until ur 18,and i had never even had a cell phone before then period. this happened twice then they kept sending my mail saying it too and that if i opened an account it couldnt be a regular one. who should i go to ,to fix this mistake on my credit that ive never used
One of two things has happened. Either someone has stolen your ID and applied for Sprint service under your name, or (most likely) the credit reporting agency placed someone with a similar name to your account.
Either way, this is a simple problem to fix, IF Sprint want’s to cooperate and help you out. Follow these instructions and you will either get your credit fixed, or you will have an awsome chance of winning a lawsuit against them.
You first need to know exactly who placed the report to your credit history. You need to get a copy of your credit reports, so go to http://www.annualcreditreport.com and get it (for free, no charge or gimmics!)
Contact the person who listed this. It could have been Sprint, but most likely it’s a collection agency. Inform them that it was not your account, and see if they can get this fixed immediately. I’m going to bet this won’t work though. They will either stonewall you, or (if you are talking to Sprint) they won’t be able to find your records.
Next, send a certified letter to each of the credit reporting agencies listing this account. Tell them you are disputing this item and want an investigation.
Send another letter to Sprint/Collection Agent and demand that they “validate” the debt. That means the MUST produce evidence that this is your debt. That includes copies of contracts, bills, receipts, and everything used to calculate what they claim you owe. They MUST supply this information within 30 days.
If they don’t supply this info, then send another letter to the credit reporting agency saying that they are posting unvalidated information to your account.
If this information is still not removed from your history, then you have grounds to sue them for $1000 for violation of the Fair Credit Reporting Act. This is a simple small claims court suit, and you don’t need a lawyer. If you have followed all of these procedures, and have copies of the mail return receipts, they don’t have any defense against it.
Sprint and AT&T are terrible about these issues….many times you have to get rough to get it resolved.
Feel free to contact me if you need more help or advice.
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