Ask HN: Any Tips on Disputing Incorrect Credit Information?
I figured if there would be a group of people who would know best how to handle this situation, it would be you.
I just got dinged on my credit report by a collections agency. Unfortunately for me, I have a common name. It looks like this agency just found me from somewhere and hit me with this.
I first got a letter from them a month ago. I made phone calls to both the agency and the original creditor to clarify with them the details of the delinquent person. (Apparently, he ran out on a utility bill up in the SF bay area. I've lived in southern California for the past twenty years.)
I was hoping that took care of it, but instead I got an email from my credit guard service today saying that they reported me anyway. Not sure how they did that, I can only assume they don't have my social security number, but I might be wrong.
I'm trying to line all my ducks up so that I can take care of this as efficiently and quickly as possible. I've heard horror stories and am hoping that I don't turn into one of them.
Anyway, if you have any advice at all, I'd really appreciate it.
Thanks!