What do I do when trying to clean up my credit report and no one to contact for something I owe?
Wednesday, June 2nd, 2010 at
12:57 am
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Filed under: Clean Credit Report
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I feel you, but you might be in luck, since they have no record of you, yet there is an entry on your credit report. You can dispute this entry with the credit reporting agency Equifax, Transunion etc. and tell them that this account is wrong or in error, that it doesn’t exist, it’s not yours. They will have to investigate this for 30-45 days, if they investigate and find it to be true, it will stay on there, but if it’s proven wrong, they will delete this item off, of your credit report, and send you a new one.
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Dispute the item with the credit bureaus. The credit bureau will ask the creditor to verify. If no one responds, the item gets deleted.
It’s likely this debt was sold to a collection agency. Apartment bills usually only show up on credit reports if the account was sent to collections.
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