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I am doing my best to clean up my credit, but have a couple bumps that I do not know how to tackle.
First, back in July I contacted the BBB to help me with a collections agency I was having problems with. Unknowingly, doing this had put this account in dispute on my credit report. Long story short, the problem was taken care of it and case was closed. This was in August and the account, fully paid off, is still showing up as in dispute. I am not sure what avenues I have to go down to fix it. Do I contact the BBB or the collections agency? Maybe the credit reporting agencies themselves? Would I need documentation if that was the deal?
Next, I have paid off a judgment on my credit back in July. I even received money back from the collections agency's lawyer saying I overpaid and so I know that it was received and processed. I expected to see a note somewhere on my credit report that this was paid off, but there has been no change. Should there be something next to the judgment on my credit report that it has been paid off? If so do I contact the credit agency, their lawyers, or the court?
Dispute the accounts with Experian, Transunion, and Equifax by mail. The CRA's/creditors have 30 days to confirm/validate the accounts or the accounts will be dropped from your credit report.
Location: 23.7 million to 162 million miles North of Venus
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I agree with lycos, send disputes to the CRA's. Don't include payment info, or other correspondence info between you and the collector, BBB, etc. Sending that info will be self verifying the negatives and make those items stick to your reports for the full reporting period, instead of possibly being removed.
It is hard to dispute many things that are in the comment section but if that's all there is to dispute then you can always give it a try. You might look at the one that shows as being in dispute and see if there is something that is being reported incorrectly, such as .. still showing a balance, showing the wrong dates (all dates showing, including if the removal date is wrong), claiming to be a factored account/factoring company account (reporting as factored is a major no-no and is typically found in the comments section), etc. If you're unsure if there are errors you can post how it is reporting, but if you do be sure to not include sensitive info such as the account number, you don't even have to include the name of the collector - just the basic numbers, all dates and what is in the comments section.
As for the judgment, it's reporting incorrectly if it's been paid but they are still showing the dollar amount. Google the term Why Chat's Credit Confusion (it's a completely free site but it's a read only site, you cannot ask questions on there) and look under the Special Purposes Letter for his Delete Incorrect Judgments From Reports and use the step by step guide to get the judgment removed.
You can send both disputes at the same time or you can send them separately, but if you send them separately then wait until they completely finish the first dispute before sending the second dispute.
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