Have you ever had an erroneous mark on credit removed successfully?

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Posted 2/11/2013 by Luvnlifelady in NSBR Board
 

Luvnlifelady
Ancient Ancestor of Pea

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Posted: 2/11/2013 11:23:38 AM
We have a vendor that is harassing us for money we don't owe. He sent me a text yesterday saying "check your credit...lol." I am assuming he sent us to collections.

I definitely want to fight it so was hoping others have some success stories.

I checked online and will first pull a report to see if it's even on there. It seems like it could be a "he said, she said" thing though. I do have canceled checks that show I paid what was due but he's still saying we owe him more money which we do not. Not sure how to prove that though.

With the way he's doing things, seems like anyone could strong-arm you into paying them money or send you to collections. Thanks for any tips.



PinkIsMyFavColor

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October 2005
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Posted: 2/11/2013 11:27:05 AM
I have not had experience with that, but did you watch 60 minutes last night? It was on this topic! They said that the credit report organizations are notoriously terrible about taking erroneous information off.

If you think he's really going to report it, I would try to contact the credit agency as quickly as possible and try to avoid it being posted. From the show last night, it looks like it's a real headache to get information deleted once it's been added.




Woobster
The Banana Under the Couch Pea

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Posted: 2/11/2013 11:29:07 AM
I did. There was something on my credit report when we went to buy our house that was incorrect and had to be removed in order for our financing to be approved.

I had to have all kinds of documentation... but it was reamoved.

busypea
boring + nerdy

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Posted: 2/11/2013 11:30:52 AM
Go to Creditboards.com. There is a wealth of information there about dealing with this kind of thing. If it is wrong, you can get it removed, but you need to go about it the right way. Creditboards will be a great resource for that.

Annabella
Leads a Charmed Life

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Posted: 2/11/2013 11:34:52 AM
First I can't believe they are texting you now. Yes I had an erroneous mark on my credit report, I wrote a letter to the doctors office and asked them to remove it then a few weeks later I filled out the form online with the credit bureau and to my surprise it was removed the same day!




eebud
Doxie Pea Mom

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October 2002
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Posted: 2/11/2013 11:37:24 AM
I was able to get something removed from DH's credit report but it was MANY years ago and I'm sure things have changed. He had something negative from before we were married that was legit. It was about 6 years old at the time so not quite old enough to come off on its own. The thing is, it was on there twice so it looked like two negatives. We filled out the proper paperwork disputing the items saying that only one of them should be on his Credit Report. They removed both while they researched it. They found that the company that had put the negative item on his report was no longer in business so they were not able to verify if it either of them were legit so neither item went back on his Credit Report.

Again, this was a very long time ago. I would expect them to have changed their processes since then.





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Luvnlifelady
Ancient Ancestor of Pea

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Posted: 2/11/2013 11:39:32 AM
Yah he's been texting me off/on since our last payment since he thinks we still owe him. He says he even put a lien on our house. However, I have someone checking on that periodically and it hasn't shown up. Who knows if he even did. We haven't been served any papers on that.

Thanks for all the info. I will definitely check out that link.



PeculiarP
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Posted: 2/11/2013 11:47:53 AM
I have, but I'm not sure if it's relate-able to your circumstance. Our history was showing we were in default on an old car loan. The thing was, we had traded that car in and the dealership should have taken care of the whole thing. I don't remember exactly what I had to do, but I made some phone calls and I think I had to send a certified letter to the bank that held the loan. I'm not sure even what documentation was required because at the time when I found it, we didn't even have the car we traded for at that point. Ultimately it was removed from our report.


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eebud
Doxie Pea Mom

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Posted: 2/11/2013 11:53:59 AM

He says he even put a lien on our house. However, I have someone checking on that periodically and it hasn't shown up. Who knows if he even did. We haven't been served any papers on that.

If you haven't been served papers, then he is probably blowing smoke about this.........unless it varies from state to state how you would be notified. I have a friend who bought a new home from a builder. A few weeks after she closed, she was served with papers that a lien was put on the home because the builder didn't pay for the wood that was used to frame the house. This is a tract home builder so the builder should have paid everything. The builder was not cooperating when she tried to contact them so she called the media. The news came out and did a report and then the builder accused her of trying to ruin their business. She told them that she didn't want to ruin their business. She only wanted them to pay the bill on her house. LOL They paid it and lien was removed.





Hans on left, Bud in middle, Gretchen on right

Kerry in CT
PeaFixture

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Posted: 2/11/2013 11:55:56 AM

Yah he's been texting me off/on since our last payment since he thinks we still owe him. He says he even put a lien on our house. However, I have someone checking on that periodically and it hasn't shown up. Who knows if he even did. We haven't been served any papers on that.


WHY would you mess around with this? Make copies of all your checks and sit down with him and DH and get this settled. Maybe you do owe him money. Wouldn't you be embarrassed if that were the case? If you don't, and he is wrong, then at least the whole issue will then be resolved and go away. I'm shocked you would just sit back and let this continue, possibly ruining your credit.


Kerry in CT

Free~Bird
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Posted: 2/11/2013 11:56:49 AM
sounds like he's breaking the law in the way that he's communicating with you. I'd drop the hammer on him in that respect. You can request all communication be in writing from this point on - on paper, not text.

I've had things removed from my husband's report. It's pretty easy to do actually, just set up accounts with the major credit reporting agencies and with a few clicks of the mouse, you can despute anything on a credit report. After he went through a divorce, he had stuff on there where she'd opened up credit in his name. We got everything removed that should not have been there/that he didn't approve to start with.


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BuckeyeSandy
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Posted: 2/11/2013 12:08:42 PM
Go review your credit reports, if there is ANYTHING that is not correct notify the various offices IN WRITING.

We've had bad addresses attached to ours, and for a time I had some store credit account information crossed with my former in-laws' credit account information at the same store! Good thing we're all friends!!!

It has taken sometimes months to get it all cleared up. Note that anything that has gone to a collection agency might take years to clear. Even with everything up to date and paid. Follow-up, follow-up, follow-up.

Good luck, and get going on it.


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Luvnlifelady
Ancient Ancestor of Pea

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Posted: 2/11/2013 12:13:51 PM
Kerry-I am 100% positive we do not owe him money. He's just trying to get more out of us.



CraftChickaPowPow
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Posted: 2/11/2013 12:20:22 PM
I had this happen with a doctor. They keep billing me for late charges on a bill I'd already paid. I called the office manager and she was a real bitch and threatened to turn me over to collections if I didn't pay the bogus late charges so I called the Attorney General right away. His office called her and she backed off. Nothing was ever reported.


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Edgy Coolness
PeaFixture

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Posted: 2/11/2013 12:51:28 PM
Do you have your contract with him showing where you both signed? If so, review it and see that he did not put any 'additional payments at his discretion' clauses in because I worked for a guy that would pull that plus he would write in a clause that he could change the product at will and often replaced top grade carpet with builders grade because the client didn't understand their contract.

Also besides the cancelled checks, did you receive a receipt from him for each payment or was it spelled out that your cancelled check would serve as your receipt?

Honestly, if you have his contract with the amount you paid plus all the cancelled checks that total the amount, I would make copies and send him a registered letter with return receipt (this is also why we need Federal Post Offices) stating that you paid your account in full and have enclosed copies of his signed contract with you and the cancelled checks totaling the full amount and to cease and desist.

If he then places a lien on your house, go to a lawyer or legal aide and have them send him a letter of intent to counter-sue him and since you have fulfilled the contract he will drop his lien or lose since you have documentation of your payments and his contract you both signed.

And make sure that you file a complaint against him with the BBB and any other govt agency that he has to comply with.









Luvnlifelady
Ancient Ancestor of Pea

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December 2006
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Posted: 2/11/2013 12:58:08 PM
Thanks again for all the advice.

CraftChicka-that's exactly what this is, late charges (although not a doctor). The charges are bogus, I was never late and have proof. I tried to tell him that but he wouldn't hear of it.




writermom1
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Posted: 2/11/2013 3:48:34 PM
Yes I have.

DH's credit was accidentally combined with up to three other family members and it was a hot mess.

It took me the better part of a year but I was successful in getting it all cleaned up - and this was back in the early-mid 90's when I had to send everything snail mail.

The keyword is "validate." You want them to "validate" the debt - not just confirm it.

Validation means show me the trail from the onset with my signature or agreement or something that shows that I owe this money - not just your paperwork saying you think I owe.

I sent everything Certified, Return Receipt Requested and made clear that I knew the laws for our state (ie. "please respond within ___ days"

I was able to get everything corrected and removed.



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