It shouldn't have. There are very precise methods in place to dispute erroneous credit report entries.
A properly worded letter to both the creditor and the credit reporting agency, sent certified, gives each recipient 30 days to investigate said entry. If the creditor is one day late, they are liable to be sued and can be in small claims court. It also can cost them thousands of dollars in fees because of being late. If they cannot confirm that the charge and the account is yours within 30 days, then the credit agency is then notified and it's to be removed from your record. Look it up. Investigate. This procedure is documented all over the web. And it works. I've gotten many items removed from my record that were erroneous, or simply shouldn't have been there. No fights, no issues. simple letters sent certified and the 30 day window tracked. On Sun, Jan 9, 2011 at 7:53 AM, Jerry Barnes <[email protected]> wrote: > > It took years of calling BOA to remove the charge from the account and > communicating with the credit agency to get things corrected. > > ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~| Order the Adobe Coldfusion Anthology now! http://www.amazon.com/Adobe-Coldfusion-Anthology/dp/1430272155/?tag=houseoffusion Archive: http://www.houseoffusion.com/groups/cf-community/message.cfm/messageid:333029 Subscription: http://www.houseoffusion.com/groups/cf-community/subscribe.cfm Unsubscribe: http://www.houseoffusion.com/groups/cf-community/unsubscribe.cfm
