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Last April I had moved and my AT&T internet wasn't working at my new address so I closed the account, paid the last bill, and sent the modem back. I checked my credit this week and my score has gone down 90 points because of a report from Southwest Credit Systems. I called and they said it's from AT&T. I asked what the account number was and she gave me a 9 digit number. I went on AT&T's website and saw that 1) my account number was 10 digits and different from the one she gave me and 2) it showed that I had paid my last bill 04/05/15 and had a zero balance. The chat with a CSR box popped up and I told the guy, Eric, what was going on. He seemed genuinely concerned and told me when the last bill and paid, that they had no right to report anything, and that he would escalate that matter to his supervisor, who would give me a call back the next day. It's been three days and no call. My concern is that Southwest had the last 4 digits of my social and that they knew the account had been closed in April- which leads me to believe that for some reason AT&T did send them my information. I just don't see why, if I owed AT&T money, they wouldn't call me or send me another bill before sending it to collections. I haven't called AT&T or Southwest Credit yet because I don't know how to go about this. All I know is that I need to get what Eric said in writing. I'm only 22 and had above average credit before this, and now I need to get a loan to go back to school so I need to get this fixed as soon as possible.

Hello, I wanna paid my debts is already close the credit cards account, charge off or collection 3 years ago. I just want paid them but in exchange I wanna is be delete records. 1/What is the steps I need to fallow to "pay to delete" I just want all the my negative account will be erase in my credit report. 2/if the credit card companies or collection won't delete my debts even I paid them full amount, after 7 to 10 years will be erase automatically in my credit report? Or will show any track I own any of the those credit cards? 3/Can I disputed my full paid credit cards negative accounts with Equifax, Trasunion and Experian erase in my credit report? Or still I need wait 7 to 10 years will drop off in my credit report? Thanks a lot!

Hi, About two months ago, I noticed a few inquiries on my credit report that I did not recall authorizing, so I disputed each one with the companies listed on my credit report, CMRRR. Over 30 days has passed since each company has received my dispute letter; of the six or so companies that have received the letters, only two have responded. I thought that they were required to respond within 30 days after receipt of the letter or they could be sued. An attorney I spoke with stated that I had to dispute through the credit bureus first, but that doesn't do anything because they just check eOscar or whatever and confirm it without proving that anything actually transpired. I wanted actual proof that I authorized these inquiries aside from the companies simply stating "Oh, you did." Do I have any right to sue at this point? What should my next step be? Thank you

I have 5 Collection Agencies on my credit report. Should I just send out a dept validation letter to each one to get things rolling?

I'm sorry if this has been asked before. I'm posting from my cell and it's very hard to look through searches. Am I correct in understanding that a dispute with a credit bureau should take no more than a month? I've read that it must be completed in 30 days and possibly a 15 day extension if the disputer provides more information. So, if I entered a dispute online with Equifax on 1/7, should it not be required to be completed by now today? Any idea of what my next course of action would be if it is not?

I've been going through this saga of trying to clean up my credit report and many thanks for the responses I have gotten. So there are a few tradelines on my credit reports regarding one student loan that I had defaulted on. Going back through my school records, I took it out in the period ending June of 2005. If I never paid that one (just took care of it a few months ago because I know they can sue for that forever) would it most likely be past the 7 year reporting period at this point? It is reported a few times under AES/NCT, National Collegiate Trust, and Citizen's Bank. They all list different dates, 2007, 2008, etc. However, from what I have read, if I originally defaulted on it in or around the middle of 2005 wouldn't ALL of the tradelines related to it be invalid at this time? Thank you for clarification on this.