Jump to content

Hello Again, more noob questions


jchire2
 Share

Recommended Posts

Hi everyone,

Its been some time (maybe 3 months) and here I am again. Only, more knowledgeable and more confused, hehe.

I have pulled my Experian CR. Yes, I want to have all 6 negative tradlines as being mine deleted. but had a question re: 1 of them.

I had a tradeline with 1 of the credit cards awhile ago, and it shows as Paid in settlement, $XXX.XX written off and it drops of May 2013. Experian also shows a Creditors Statement (for this card): Account legally paid in full for less than balance

Question is, can I dispute this 1 as "Not belonging to me"? I plan on sending my dispute letter CMRR.

Also, is it necessary to reference any part(s) of the FCRA and/or the FDCRA in my initial dispute (to Experian)?

Thank you,

J

Link to comment
Share on other sites

can I dispute this 1 as "Not belonging to me"?

Sure.

is it necessary to reference any part(s) of the FCRA and/or the FDCRA in my initial dispute (to Experian)?

No need. Just state that you are disputing, list the tradelines, and your reason for dispute and include a copy of your DL as proof of identity.

Good luck!

Link to comment
Share on other sites

Guest
This topic is now closed to further replies.
 Share

×
×
  • Create New...