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Mistake on credit report in my favor

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Joined: 13 Apr 2016
psg1168's page
Posts: 1

19 Magic Points

Subject: Mistake on credit report in my favor
Posted on Wed Apr 13, 2016 11:20 am  

I'm having serious credit problems and am considering bankruptcy. I've been watching my credit report pretty closely as it has gone into free fall.

About a month ago, I realized that my total debt had dropped significantly. A credit card that I owed over $27,000 just disappeared. At first I thought it was because it had gone into collections.

However, when I dug further, I discovered that the debt was reported by the credit card company as going delinquent in 2006....not 2016. Obviously this was a typographical error. So the debt has "aged off" my credit report.

What should I do about this? I'm getting calls from a collection agency, so it hasn't gone away.

Posted on Thu Apr 14, 2016 1:01 am  

Which state are you from? Can you tell us the name of the cc company? Who is the CA you are referring?

Posted on Thu Apr 14, 2016 11:36 am  

I'm in Florida.....the credit card was from USAA. I'm not sure about the credit agency.

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Posted on Tue Sep 13, 2016 12:02 pm  

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