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*Who* has the authority to remove something from my credit report??


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Posted by pecd on October 26, 2000 at 00:01:56:

I have a charge off on my credit report. It's for a
phone bill from 3 years ago. I talked with the phone
company today. They told me that I had paid the final
bill, but then some more charges came in a few weeks
later from the long distance carrier and they revised
the bill and mailed it to the wrong address, however,
they said it was not returned to them. They faxed me
a copy of the bill which says, "revised final bill" on
the top of it. The phone company said they could not
take anything off my credit report b/c they sold the
debt to Gulf State Credit, earlier this year.

I talked with Gulf State Credit-- they have sent 2
letters to me at an address I had 3 years ago in
another state. They are willing to take my payment.
I asked them if they would remove the charge-off from
my credit report if I paid. They said they can't do
that-- they would report that I had paid the debt, but
that I would have to talk to the credit reporting
company (experion) and see if they would remove it
from my report altogether. So I didn't pay them today--
I figured I'd wait and use the payment as leverage
when I finally figure out who has authority.

Now I'm seriously confused-- each person keeps telling
me that only someone else has the authority to remove
it from my credit report. Who can remove this from my
credit report? Gulf State Credit or Experion??? If
Experion is the one who does it, why is that? Aren't
they just basically an information gathering business--
how can they have the authority to remove something
from someone's credit report if it wasn't a mistake
that they made?

Do you think I could get this removed from my report--
especially considering the fact that I have proof that
i never received any info from either the phone company
or gulf state credit on this?

I really need some help! Thanks!


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