experian credit report codes
experian credit report codes
How to fix this credit report quagmire?
I decided to check out my credit report via annualcreditreport.com because I haven’t checked my report out in a couple of years. I took a look at Experian and saw “AT T”(I’m assuming it’s AT&T) sent a $200 fee to collections in July, The only problem is that I’ve never had an account with AT&T. I then see that under my information there is an address and phone number listed that isn’t mine.
I look up my name with the zip code from the report on www.whitepages.com and find someone with my exact name, including middle initial, living about 3 miles from the mystery address listed on my report, it isn’t the exact same phone number or address though.
I disputed the phone number but when I tried to dispute the address online it wouldn’t allow me. Should I call up the collection agency at all? Should I just send in the required paper work disputing the address, phone number, and collection item and hope that they fix it? It seems like someone just mixed up our names, but who knows
First, dispute the AT&T collection and the other erroneous information with Experian. Within 45 days the will respond. Hopefully, this will clear it all up.
However, if it doesn’t you should contact (certified mail, return receipt requested) the collection agent and demand he provide proof this debt is yours.
This sounds like a collection agency bought up some real old debt and did some skip tracing to find a similar name. They put it on your credit report and just wait till you are trying to buy a house or something and need the negative gone. Most folks pay rather than fight it out to get it removed.
