CLM Posted July 19, 2004 Report Share Posted July 19, 2004 I have two accounts listed on my CR1. Old student loan2. Old auto loan account closed back in June 98 (repossessed but paid)both are showing a balance of $0 and status "PAYMENT AFTER CHARGE OFF /COLLECTION<" Is there anyway to have these items removed? Link to comment Share on other sites More sharing options...
morrow Posted July 20, 2004 Report Share Posted July 20, 2004 I would just start off by disputing them as not yours if you havent already. If that doesnt work, try wrong account #, or date the account was opened is incorrect. Link to comment Share on other sites More sharing options...
CLM Posted July 20, 2004 Author Report Share Posted July 20, 2004 Thanks for your response morrow. I disputed the auto loan with the CRAs because the DOLA clearly exceeded the 7 yr reporting period. The CRAs now have about 1 week to respond. I did write a CMRR letter to the OC for the student loan. They never sent me anything to proof the debt actually belonged to me. All I have is the green cards from both agencies. I thought my next step for the student loan would be to write the CRAs along with a copy of my card as proof that I contacted the OC and they were not able to successfully verify the debt. This should aid in my attempt to have the item removed from my CR. Any suggestions? Link to comment Share on other sites More sharing options...
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