ame
Super_Ideal_Rock
- Joined
- Jul 7, 2004
- Messages
- 10,883
So I got a copy of my credit report sent to me, just so I can see what the bank is viewing, and I assume my score is still this high despite an inaccuracy I see and I hope goes higher when this is fixed.
My current credit union, whom our main credit card is through, reported a lost/stolen card (it was) as not only lost stolen but 90+ days delinquent which I can handily prove it is definitely NOT. As I go through the account on the report is shows a zero balance, account paid, no late payments, and closed, and then "lost stolen" below it. So...what the hell is the delinquent?
I filed a dispute about it, and then was told by the credit bureau to contact them since I still have accounts with them, and discuss. They are telling me that they reported it as such because it was, despite my having all the documentation (all my billing statements, an online record of all payments from both my bank statements AND the only payment site where I make the payments) to prove otherwise. They required that I fax copies to them of all of it (they're like 20 minutes away but Im not driving there today) which I did. But why am I doing the work for them?
First of all, why would they have done this when everything on our accounts has been flawless, and they're the ones that called us about the suspicious activity in the first place! Then why would they fight it when I inquire about it? I already want to quit them, so that's on the list of things to do anyway. But now I have this to get corrected on my record and it's an infuriating inaccuracy, and they have all the proof they need right there to prove it.
My current credit union, whom our main credit card is through, reported a lost/stolen card (it was) as not only lost stolen but 90+ days delinquent which I can handily prove it is definitely NOT. As I go through the account on the report is shows a zero balance, account paid, no late payments, and closed, and then "lost stolen" below it. So...what the hell is the delinquent?
I filed a dispute about it, and then was told by the credit bureau to contact them since I still have accounts with them, and discuss. They are telling me that they reported it as such because it was, despite my having all the documentation (all my billing statements, an online record of all payments from both my bank statements AND the only payment site where I make the payments) to prove otherwise. They required that I fax copies to them of all of it (they're like 20 minutes away but Im not driving there today) which I did. But why am I doing the work for them?
First of all, why would they have done this when everything on our accounts has been flawless, and they're the ones that called us about the suspicious activity in the first place! Then why would they fight it when I inquire about it? I already want to quit them, so that's on the list of things to do anyway. But now I have this to get corrected on my record and it's an infuriating inaccuracy, and they have all the proof they need right there to prove it.
300x240.png)