Re: *Who* has the authority to remove something from my credit report??
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Posted by LB
on June 28, 2001 at 14:09:56:
In Reply to: *Who* has the authority to remove something from my credit report?? 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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