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 Posted: Wed Jul 25, 2007 11:13 am Subject: National Business Fact reporting in my Credit report |
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On my credit report from Experian one of the collector is National Business Fact and I have no idea who they are, could someone tell me who it might be. Thanks.
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talin03062005
Joined: 25 Jul 2007
Posts: 1
Debtcc Points: 99
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| Posted: Wed Jul 25, 2007 11:51 am Subject: |
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There should be a number on your Experian report to contact them yourself. Did you recently take out an application for loan or a credit card? Maybe they are showing up to do an inquiry for your credit. Or do you have any past debts that you can remember?
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joshua1987tree
Joined: 01 Jun 2007
Posts: 487
Debtcc Points: 7999
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| Posted: Wed Jul 25, 2007 12:53 pm Subject: |
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I don't find any information on this company. By chance, do you know where are they located? You should find the contact information of the CA at the end of your credit report. Then you can contact them and ask for the debt to be validated, in case they are doing a legit reporting. If they don't verify the item, you need to dispute the item with the CRA and get it removed from your file.
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Steg
Joined: 22 May 2006
Posts: 392
Debtcc Points: 5545
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| Posted: Thu Jul 26, 2007 5:28 am Subject: |
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Hi Talin
One of the biggest problems that the consumers face is the debt collectors placing information in credit reports that is false. Under the FCRA consumers can dispute the validity, accuracy, and timeliness of any negative item listed on their report. The law mandates the CRAs to respond to any dispute letter within a 30-day period, providing enough evidences to support their claim. If the CRA finds the information o be inaccurate, then it must be removed. You should dispute this with the National Business Fact too. Since you don’t have their contact address, dispute it with the CRA. And do that immediately
Good luck
Nelly
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goodnelly
Debt Samaritan
Joined: 20 Jun 2007
Posts: 632
Debtcc Points: 8494
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