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Adam D
Joined: 09 Jan 2009
AdamD's page
Posts: 16
821 Magic Points
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Subject: CC is always paid on time, but reported as No Data????
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Sat Jan 10, 2009 2:16 am
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I have an issue that I can't seem to find an answer to.
I have had a crdit card with my bank since 2004, it currently has a zero balance, but on my credit report it is reported as ND (No Data?) for the past two years??
I spoke to my bank but I was advised that they have been reporting it as good, so go talk to the credit bureaus.
What type of letter should I write requesting that the history be checked and reported as "good"
Thanks
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Sat Jan 10, 2009 2:58 am
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| I would get your bank to write you a statement to send along with your letter. Have the include a contact number and a name of the person to contact. If they are reporting then you should be getting the credit for this on your report. So far you will have lost two years of good credit history on this card. I would write out a request letter stating all that you have said here and send along a letter from the bank. |
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Adam D
Joined: 09 Jan 2009
AdamD's page
Posts: 16
821 Magic Points
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Subject: Thanks..
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Sat Jan 10, 2009 3:01 am
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Thanks for the response. I appreciate all the help here. I went through a rough patch over the last 14 months or so due to returning back to school. I made it through the first three years ok, then my "secured" state provided aid (not traditional aid) was yanked from me. It was either finish and get a "real" job or struggle forever.
I just wish I bought the books that I have and stumbles across this site a bit earlier.
Thanks again |
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Doc
Joined: 02 Dec 2008
Doc's page
Posts: 203
Location: McKinney, TX
954 Magic Points
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Sat Jan 10, 2009 8:47 pm
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I would remind everyone that the FCA requires 100% completeness and 100% accuracy.
Anything short of that requires correction or deletion upon written request of the consumer...
_________________
-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site... I don't wanna sell you anything, I just wanna increase my traffic, and push my site up in the search engine rankings...
http://www.omegacreditrepair.com |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit
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Sun Jan 11, 2009 4:27 am
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| Wow!! If the CB's DO remove the Cc data for information NOT being reported correctly, then that would give the OP NO credit history on that CC. WOW!! It's almost like a 'catch 22', in a way. However.I guess the way the CR is reading, ( if I'm not misunderstanding the OP) is that theOP DOES have a CC and the 'actvity' is not being posted on the CR. |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1298
28935 Magic Points
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Mon Jan 12, 2009 8:51 am
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Hi Adam D
I think that you should send a dispute letter to the credit bureaus telling them that you do not agree with the listing. When you send a dispute letter, the credit bureaus will verify it with the creditor i.e, the credit card company and will correct the listing in your credit report.
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All the Best 
Justin |
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