How do I contest an item on my credit report ?

Submitted by jackwells61 on Wed, 04/08/2009 - 01:44
Forums

I was charged for impoundment fees for a car that no longer belonged to me. Now that charge is on my credit report.

As far as I know, you need to pay the impoundment fees within 28 days and claim the vehicle back. If you do not claim the vehicle within 10 days from the last day impoundment, your vehicle is liable to be disposed off.
Can you tell the amount of the impoundment fees in your credit report?
I think that you can dispute the item with the credit bureaus if you have already paid down the money, else first pay it off and them dispute it with the bureaus.

Wed, 04/08/2009 - 06:26 Permalink

Hello Jackwells,

I know you say that you didn't even have the car anymore but could the title still have been in your name? If you did sell it to someone and transfer the title over you should have somekind of reciept of the transaction. Just provide that to the credit bureaus along with a dispute letter and I think you will be fine.

Good luck

Wed, 04/08/2009 - 10:13 Permalink

You can dispute with the company itself or file a dispute with the credit bureaus and provide the proper paperwork.

Wed, 04/08/2009 - 15:07 Permalink
Hca (not verified)

My exboyfriend and I shared a checking account, and it was frozen for back child support. Now I'm on check systems and can't get a checking account, plus the owed child support is on my credit report. What can I do?

Tue, 04/21/2009 - 18:46 Permalink

Contesting something on your credit report is done if the information is in error. In your case, you are admitting you owe the debt - so the fact that they have reported it is not inaccurate. To get this taken care of, you do need to contact NCO - however - and this is very important - get something from them in writing that shows what you owe - have them fax it if you are needing to do this quickly - and then make sure that you pay them in full and keep documentation of that payment. If you do it thru online banking - get a printed copy of the payment. Same if you do a debit over the phone. Get the written amount first!

It will then show up as a paid debt on your credit reports - however, the fact that it was not paid according to terms will still show up.

Good luck!

Mon, 04/27/2009 - 09:01 Permalink