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

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: : 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! : ============================= : Ihe credit industry has it's own version of murphys law: : IF ANYTHING CAN BE SCREWED UP WE'LL SCREW IT!

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