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Okay, this is going to sound really messed up, but read on.
One day, I'm sitting with my thumb up my ass (as I so often do) and one lady at work mentions, she ordered a credit report. I'm 23, why would I need to order one? I've got really good credit, never late on a single payment, and got quite a few very good credit cards. I don't get turned down for anything when I apply, so everything is good.
Well, curiosity got the better of me. I got online, paid 12$ for a credit report from trans-union.
I noticed on there, 2 problems.
1; It said I had a Lowes card.
2; It said that I had a loan with a 5$ balance.
I was like, what the fuck? So I called the little number (dispute information between the hours of such and such). I said, I've got 2 problems. I do not have a Lowe's card.
Second, the loan you say has a five dollar balance, was paid off...in Feb 04, but another loan I took out...from the same bank.
They said, okay, we'll look into it.
In the mean time, I called the bank. I said, why is there a 5$ balance, on a loan that was paid almost a year and a half ago? Why wasn't it just taken out of my checking account?
Well, through a series of phone calls, I found out it was a bank error, and that they paid it, and updated my credit report. I was like, thank you very much blah blah blah.
I got my new credit report in the mail today. The Lowe's card was taken off of my report, which is good. The problem lies in that loan, that was paid off in 2004...some how I had a late payment...last month!!! How could I have a late payment in 5 of 2005, when the loan was paid off in 2 of 2004?
I called the bank up. The lady said, we'll look into this, but I don't know what we can do. We're showing there's a late payment on this file. Now, the lady I was speaking to, was the one who gave me BOTH LOANS, and we specifically took out the 2nd loan, because interest rates had dropped 2 points, and I went to a lower rate.
Now...my question is this. If your credit information gets fucked up, and you did NOTHING wrong, who do you call? If the bank doesn't fix this, who do I call next? Can I get a lawyer and fix this? I've worked hard for my credit, and it bothers me that some bank can just go and fuck it up. I've never, ever, ever been late on anything. I've never had a late payment, a repo, bankruptcy, not a single solitary negative thing on my credit report.
What can I do, is there an office that can look into this if the bank falls through?
One day, I'm sitting with my thumb up my ass (as I so often do) and one lady at work mentions, she ordered a credit report. I'm 23, why would I need to order one? I've got really good credit, never late on a single payment, and got quite a few very good credit cards. I don't get turned down for anything when I apply, so everything is good.
Well, curiosity got the better of me. I got online, paid 12$ for a credit report from trans-union.
I noticed on there, 2 problems.
1; It said I had a Lowes card.
2; It said that I had a loan with a 5$ balance.
I was like, what the fuck? So I called the little number (dispute information between the hours of such and such). I said, I've got 2 problems. I do not have a Lowe's card.
Second, the loan you say has a five dollar balance, was paid off...in Feb 04, but another loan I took out...from the same bank.
They said, okay, we'll look into it.
In the mean time, I called the bank. I said, why is there a 5$ balance, on a loan that was paid almost a year and a half ago? Why wasn't it just taken out of my checking account?
Well, through a series of phone calls, I found out it was a bank error, and that they paid it, and updated my credit report. I was like, thank you very much blah blah blah.
I got my new credit report in the mail today. The Lowe's card was taken off of my report, which is good. The problem lies in that loan, that was paid off in 2004...some how I had a late payment...last month!!! How could I have a late payment in 5 of 2005, when the loan was paid off in 2 of 2004?
I called the bank up. The lady said, we'll look into this, but I don't know what we can do. We're showing there's a late payment on this file. Now, the lady I was speaking to, was the one who gave me BOTH LOANS, and we specifically took out the 2nd loan, because interest rates had dropped 2 points, and I went to a lower rate.
Now...my question is this. If your credit information gets fucked up, and you did NOTHING wrong, who do you call? If the bank doesn't fix this, who do I call next? Can I get a lawyer and fix this? I've worked hard for my credit, and it bothers me that some bank can just go and fuck it up. I've never, ever, ever been late on anything. I've never had a late payment, a repo, bankruptcy, not a single solitary negative thing on my credit report.
What can I do, is there an office that can look into this if the bank falls through?
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