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Collection Item and Credit Report

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Joined: 09 Nov 2009
Archie's page
Posts: 57

37 Magic Points

Subject: Collection Item and Credit Report
Posted on Fri Sep 10, 2010 6:34 pm  

I have been in a dispute with an on-line service for several months now. I have contacted my credit card company on this issue and have received my money back and have had my credit number changed. However, this on-line service insists i owe them the money still. This issue went to my card services fraud dept. I canceled this on-line service several times but they chose to ignore me. Would this issue hurt my credit rating?

Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1320

6419 Magic Points

Posted on Fri Sep 10, 2010 6:39 pm  

if you have a contract, they could send it to a collection agency or sue you.

what kind of service? have you reported this to the attorney general?
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Joined: 03 Oct 2009
andyth's page
Posts: 48

67 Magic Points

Posted on Fri Sep 10, 2010 6:59 pm  

It is possible that the online service may be able to send the account to a collection agent. Generally speaking, when an account is sent to collections it will be reported on the credit report and therefore negatively impact your rating. However, if you believe that the information reported on your credit report is inaccurate then you can dispute the inaccuracy. Below I will provide you with information as to how you can dispute the item, in case this happens.

The Fair Credit Reporting Act (FCRA), a federal law, requires consumer credit reporting companies to report accurate information. If you find any inaccurate information in your credit report, you should dispute the credit report listing with the bureau in question.


Joined: 08 Feb 2010
Aaron's page
Posts: 2632

48565 Magic Points

Subject: cancelation of on line service
Posted on Sat Sep 11, 2010 9:03 am  

Hi Archie,

What kind of a service is this? Did you have a contract with them? If you had a contract with them you must have canceled the contract by now. In that case you can dispute this item if it gets listed on your credit report.


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Subject: sqAvnkHkdO
Posted on Tue Aug 05, 2014 9:34 am  

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