How to get something off your credit report?
August 27, 2005 4:28 AM Subscribe
Credit Agency/Debt Collection Filter. I just received my free credit report and found that a cable company has turned me over to a collection agency.
posted by 6:1 to Work & Money (11 answers total) 1 user marked this as a favorite
I checked my credit reports about 18 mo. ago, and it was clean. Last night I was able to get my annual free credit report. I had a collection, and it took me by complete surprise!
The entry is for a $99 cable bill and the "Date of 1st. Delinquency" is 05/2000 with a "Balance Date" of 04/2004. It has a "Status" of Unpaid. I travel doing contract labor, but have had the same "home" address for about 8 yrs. I have never received a bill for this amount.
I have a couple questions.
1. How do I prove they never sent me a bill? In four years you would think I would have received something via mail or phone.
2. Do I contact the cable company, Equifax or the collection agency? Once I contact one of the above, what do I say?
3. If I am presented a bill and I pay it, will it be taken off, or will it always be there?
4. My Quicken does not go back that far (or any of my records). What do I do now?
I don't know how hard they tried to get the bill to me. I'm not hard to find, and someone is always at my permanent address to receive my mail. (In fact, my address is public knowledge if you know where to look on-line).
How do I get this taken care of and off my credit report? I'm trying to get my ducks in a row to buy a house.
Thanks for all suggestins/advice in advance. If this post seems fragmented, I'm a bit frazzled.