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sfgurly

Who is the OC?!

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I have a couple of new collection accounts from a JDB on my report. I have no clue who the OC is (not listed) and what the debt is for. No account matches up to the info they are reporting. This doesnt seem right. But Im new to the credit repair process. Any suggestions on my initial step? thx.

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@sfgurly

 

Start by disputing the entries with the credit reporting agencies.  Dispute as "not mine".  If they come back verified, find another reason to dispute, such as the amount.  You can dispute an entry multiple times if you use a different reason each time.

 

By disputing with the CRAs, the JDBs might send you a letter which might contain the identity of the OCs.

 

If all of the disputes come back verified, then dispute directly with the furnishers (JDBs). 

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@sfgurly - there's gotta be some kind of info on your credit report - they usually list the collection agencies on your report.  

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