Possible Payment History Dispute
Date: Mon, 10/01/2012 - 08:41
Hello,
Beneficial offered me a ???settlement??? on a debt. In 2009, their collection agent sent me an offer agreeing to accept 1400.00 as payment in full on the last 2000.00 I owed. I accepted it and paid it right away. The account status was reported incorrectly and I disputed it and they changed the payment history. I disputed it twice again and each time, they changed the payment history and the CRA would send me a letter saying the account had been updated. Not only do the past three credit reports have this account reported differently but each CRA has something different. I thought this account would be a non-issue since it was over three years old but I have had someone question me about it recently. Is it possible to obtain the information being supplied to the credit agencies or is it safe to assume that they really don???t have anything since they reported it differently on three separate occasions? Additional, each CRA is reporting this accounts payment history differently. Is it worth disputing again and requesting the information used to verify this debt? This is the most damaging information on my report and anything I can use to make it disappear would be wonderful.
Thanks for your advice in advance.
Beneficial offered me a ???settlement??? on a debt. In 2009, their collection agent sent me an offer agreeing to accept 1400.00 as payment in full on the last 2000.00 I owed. I accepted it and paid it right away. The account status was reported incorrectly and I disputed it and they changed the payment history. I disputed it twice again and each time, they changed the payment history and the CRA would send me a letter saying the account had been updated. Not only do the past three credit reports have this account reported differently but each CRA has something different. I thought this account would be a non-issue since it was over three years old but I have had someone question me about it recently. Is it possible to obtain the information being supplied to the credit agencies or is it safe to assume that they really don???t have anything since they reported it differently on three separate occasions? Additional, each CRA is reporting this accounts payment history differently. Is it worth disputing again and requesting the information used to verify this debt? This is the most damaging information on my report and anything I can use to make it disappear would be wonderful.
Thanks for your advice in advance.
Dispute the information on your credit report again. You may req
Dispute the information on your credit report again. You may request to see the information used to verify this debt.
^^what? How will that help.. You need to provide more info. S
^^what? How will that help..
You need to provide more info. Specially what is each bureau reporting. I'd imagine it is reporting as settled in full? And did the collector work for the company you owed the 2 grand to (internal collections) or was it a third party? Is it reporting as a collection or a regular account???
