CBNA shows up on your credit report – What should you do?

Submitted by roocky on Mon, 04/06/2009 - 23:11

CBNA (Credit Bureau of North America, LLC) is a collection agency headquartered in Tennessee, USA. Though it has an A rating from the BBB, it's not a BBB (Better Business Bureau) accredited business. The acronym (CBNA) may also stand for Citibank North America. Read on to know what you should do when you're contacted by Credit Bureau of North America or Citibank North America.

What should you do if it's an old debt you haven't paid off?

If the collection agency (CA) or the bank is contacting you about an old debt, you should first check whether or not the Statute of Limitations (SOL) on that debt has expired. If it has expired, then the creditor or the CA cannot file a lawsuit against you to collect the unpaid amount. However, the creditor or CA may still use other out-of-court means to collect on the debt.

Before you make any payments to CBNA, you should negotiate with them to settle your debts if your financial situation doesn't permit you to repay the outstanding balance in full. Whatever option you choose, it is advisable that you negotiate a "Pay for delete" agreement. This means that the creditor/collection agency will remove all information on this account from your credit report(s) once you settle or pay off the debt in full. If the CA or the creditor doesn't agree to one, then at least try and negotiate for a "Settled as agreed" status on your credit report.

What if you've paid off the debt but it shows up on your report?

If you've paid off the debt but it's not reflected on your credit report as "Paid", then you should dispute it with Citibank North America or Credit Bureau of North America, LLC. You should send a dispute letter to the credit bureau asking them to correct the inaccurate listing. Or, you can contact the creditor or collection agency and ask them to co-ordinate with the bureaus on your behalf. The account should appear as "Paid" on your credit report.

What should you do if you don't owe the debt at all?

If you don't owe the debt and a collection agency is attempting to collect on it, then you should ask them to validate the debt. To do so, you should send a debt validation letter to the CA via fax or certified mail. However, if you're trying to deal with the creditor, then you must ask them to verify your account.

Sometimes you may find a listing on your credit report from a creditor when you don't have an account with them. In this situation, you need to dispute the account with the CA/creditor or the credit bureaus to get the incorrect item deleted from your credit reports.

How can you contact Credit Bureau of North America, LLC?

Credit Bureau of North America's contact information is:

Credit Bureau of North America, LLC
200 Creekside Dr.
Dickson, TN 37055

Phone No. - (615) 446-7128

Fax: (615) 446-2111

Guest321 (not verified)

CBNA is Credit Bureau of North America and is a collection agency. If you find them on your credit report, it means that they have purchased any of your outstanding debts from the creditor. You should send a debt validation letter by certified mail and wait for their response. You can send debt validation letter at the following address:
P.O. Box 550, Dickson, TN. 37056

Tue, 04/07/2009 - 07:24 Permalink

You can also call them at their toll free number 800-397-2128.
First check out the debt which they have purchased. Then go for debt validation. If they properly validates the debt, you can negotiate with them for a discount on the outstanding debt amount if the debt is large and pay it off. If you can pay them off in full, you should negotiate with them for a PFD agreement so that as soon as you pay off the debt in full, the negative item gets removed from your credit report.

Wed, 04/08/2009 - 11:20 Permalink
anon (not verified)

CBNA also stands for Citibank North America - do you have a line of credit with Citi Bank? The line of credit I have with Citi is report under CBNA, I would expect this to be the case for you as well.

Mon, 04/27/2009 - 05:37 Permalink
kate@goldrushr… (not verified)

I just got a call from CBNA saying they assumed my debt from a business credit card (had to close up business due to the failing economy). I haven't received any kind of letter or information in the mail from them. If they are legit and I can work out a deal, how do I get the negative credit damage repaired for this debt. And how to I verify that the money I send them is really going to clear this debt? I'm definitely skeptical.

Sun, 01/10/2010 - 07:55 Permalink
Brazilnut (not verified)

I found that on my report and believe kate is right, it may be the credit line unpaid with Citibank plus account.

Thu, 04/15/2010 - 21:46 Permalink
Anonymous (not verified)

CBNA has been bought out by a company in Calif. dont know any of the details on it, but I do know first hand that CBNA has let all but 3 employees go.

Thu, 09/30/2010 - 14:44 Permalink
Ronald Ostrove (not verified)

I have a dispute noted on my credit report under jkeep/cbna. What does this mean?

Fri, 07/29/2011 - 19:57 Permalink
deborah green (not verified)

CBNA is on my credit report. I am trying to refinance and BOA wants an explantion and I have not idea what this is. Help please.

Fri, 08/05/2011 - 19:20 Permalink
Sam-I-Am (not verified)

To answer your questions: CBNA appears on my report for two of my Citi credit accounts:

1. A Citi "Checking Plus" revolving credit account, which is attached to my checking account to offer easy access to credit / cash advances

2. A Citi Business Credit account

I also have two ordinary Citi personal credit cards, which just appear as CITI on my credit report. Hope that helps.

Fri, 08/05/2011 - 19:59 Permalink
K Linda 0210 (not verified)

I was going thru my credit report and see an account opened in 2007, It shows the account as an open account however I have no means to call them as they do not post a phone number, there is no balance from what I can see, how do I go about closing this account I only have the partial account number they have posted on my credit report, is there anyway to reach these people directly. I did not have anything thru CBNA or citibank in 2007 who can I contact.

Mon, 08/15/2011 - 21:56 Permalink
Mia (not verified)

My credit report shows CBNA,-revolving charge account, with a Sioux Falls, ND address and no phone number. There is a zero balance , but could it still hurt mu credit rating? I do not know who this could be.

Fri, 08/26/2011 - 07:54 Permalink
Gordon T. Gild… (not verified)

I was just informed by my Mortgage Co., that CBNA pulled a credit inquiry on me on June 14,2011. Would you please let me know what this is about. My email address is:
I appreciate a reply as soon as possible. My telephone # is 954-838-7908.

Thank you,

Gordon T. Gildersleeve

Mon, 09/19/2011 - 19:57 Permalink
W Roger Reffe (not verified)

You enqired on my credit report which caused me to take my credit score for equifax down. I do not understand why. All my outstanding debts have been taken care of in a 30 days period. Why did you enquire?????

Thu, 09/22/2011 - 15:35 Permalink
Marcelluis Rivera (not verified)

I have a on my credit report cbna but there's is no Balance on it or payment but also it say's credit for $2000 dollars from a dept store, so my question is what can I do?

Fri, 10/07/2011 - 16:44 Permalink
Lauren Meredith (not verified)

I have excellent credit and CBNA is showing as an inquiry on my credit report a few months ago and I have NO clue what it's from.. Can you help me me please?


Sun, 10/16/2011 - 15:41 Permalink
John Locker (not verified)

I would like to pay off the CBNA that is showing up pn my credit report but, I am unable to get a number for this company. I have the account number & the amount that is owed but I am unable to get through to an opperater for this company to handle this matter. What should I do?

Tue, 10/18/2011 - 23:49 Permalink
Nora Todd (not verified)

I'm attempting to refinance a mortgage. I'm told that MBNA checked my credit on 7/31/11. I don't have any outstanding bills and have not at anytime. There is NO reason a collection agency would be checking my finances. I have not been contacted by MBNA.

Anyway to get a short quick answer as to why MBNA would haave checked my credit rating?

Fri, 10/21/2011 - 18:00 Permalink
Beverly (not verified)

My husband passed away 3 years ago. I paid off all our credit card bills except one that I keep for emergency. Just went through credit report for the first time ever. I saw Home Depot/CBNA on the report. Nothing is owed, but, I threw the card in the trash a few days ago... I thought it was probably a gift card.. How can I find out and have it closed... I do not know the complete number.
thank you,

Mon, 10/24/2011 - 23:06 Permalink
Beverly (not verified)

When I went through the credit report I saw all the credit cards my husband had.. I paid them off and closed them... How do I get the closed accounts off the credit report.. Please help me.. I have to learn to do this alone now..
thank you,

Mon, 10/24/2011 - 23:43 Permalink
Judy Kolz (not verified)

I believe it belongs to Judith Kolz in MN. I do have the account number and the date it was opened. I would like it off my credit report.

Thank you.

Thu, 10/27/2011 - 17:39 Permalink
Tiffini (not verified)

I got a message on my credit report that says CPU/CBNA It says it was opened in 2001 but I was only a freshman in High School so I was only 14 yrs old. What on earth could this be?! I wasn't even thinking of college at that time!

Fri, 10/28/2011 - 05:15 Permalink
GAYLE TRUESDELL (not verified)


Wed, 11/02/2011 - 17:28 Permalink
miss sasy (not verified)

Yes I have a 120 days past due on this card that they wrote off a 54.00 bill with fees. I have all ones on all my credit and that included Shell. I have had the card since 1992.My grand daughter was helping me pay bills as I was going out of town for a long while . My daughter pays my bills when I have to go off. I get all my bills through the mail, nothing online. I have paid online but just perfer to see my bills in person so I know they get paid. I could not believe when I got my Experian report what this had brought my FICO down to. I have wrote a letter with letters from my daughter and grand daughter to all three credit bureaus to dispute this and ask to have this removed . I have talked to Shell but got no where. I would not have known about this till my card was denied.I am going to send Shell a letter but need to know is this a dispute to them or just ask them to take it off? How can you pay something you did not know about and they told me on the phone when I did not know how it was online that all I could do was dispute it. I can't believe that they could not see after al these years it only happened after it was online. Thanks for any help you can give me.

Sat, 11/05/2011 - 18:41 Permalink
Tiffini (not verified)

So I figured mine out. My ex husband had a Conoco, Phillips 66, 76 gas card that his mother opened back in 2001 and he was put on the acct and just added my name to it when we got married. Phew, I'm glad I got that all figured out because it was totally throwing me for a loop!!

Sat, 11/12/2011 - 17:34 Permalink
STEVE TOSCANO (not verified)

PLEASE CALL ME AT (562) 370-5494 at once. CBNA is showing on my credit report and I have no Idea who you are. I have never been contacted by you by letter or phone. I need to clear this account from my Experian, Transunion, and other credit bureau

Mon, 11/14/2011 - 03:09 Permalink
David Wetherington (not verified)

CBNA is on my credit report and i would like an explantion ?.

Mon, 11/14/2011 - 22:01 Permalink
April LaFortune (not verified)

I just received a call from our bank that we are purchasing a home on friday from. They told me that CBNA pulled my credit last friday 11/11/11. I have NO IDEA what this is from OR why it was even pulled!! I have no debt & did not give anyone permission to pull my credit! My bank said she does not have any info but CBNA pulled my credit on 11/11/11. Do you know what this is about?? Please get back to me asap, Thank you!

Thu, 11/17/2011 - 01:47 Permalink
jamie beatty (not verified)

i just recieved my credit report and on it i have an open credit card with a credit limit of $7,250 and i have no idea of what credit card it is or im not in possession of this card. i would like to find out how to get new card but without knowing what it is how do i go about it???

Sat, 11/19/2011 - 03:14 Permalink
JON (not verified)

I have a CBNA on my credit report since 2007 but it's status is closed and paid off in full. Now 4 years later this nov i get a KD on my credit report and the history shows "perfect ok"s" ??? now i cant not be approved for even a car and i haven't had a late payment in over 3 years. Can someone please give me the number or address or email to contact these people at CBNA and WHO ARE THEY?? how do i get the KD to go away?

Mon, 11/21/2011 - 01:32 Permalink
MELANIE (not verified)

This is not mine and I need a number to find out what it is?
It was opened in july 2011 and payments have been made on it?

Anyone have a phone number to call?

Sun, 11/27/2011 - 08:55 Permalink
dstevens (not verified)

My credit report has an inquiry from CBNA, it was from when I took a Home Depot card.

Wed, 11/30/2011 - 01:48 Permalink
troubledRN (not verified)

On my credit report there are 3 credit cards that I have closed previously through the creditor and they still remain open/current/revolving on my credit report. There has been no activity or charges on theses since June 2005. I no longer have the account numbers. Please advise

Sat, 12/03/2011 - 12:24 Permalink
Garland Farmer (not verified)

I have a "Seriously Deliquent" note on my credit scores indicating the Sears/CBNA that was closed in 2008 still has a $166.00 unpaid balance. Please let me know if this is true or should I contact Citi Bank(the other CBNA). My Address in 2008 was 1030 Trevor Drive, Berea, KY 40403.

Mon, 12/05/2011 - 19:40 Permalink
LINDA BURKE (not verified)



Thu, 12/08/2011 - 18:54 Permalink
Andrew J Hausler (not verified)

there's no phone number that I can call to close an acount that has a 0 ballance but the account is still current

Tue, 12/13/2011 - 06:14 Permalink
janice gleaton (not verified)

How do I verify purportedly an old debt. For example, HSBC/Best Buy reported outstanding debt for 5/08 and 10/07. I contacted the company to see what debt I owed. Using my social security number the only thing they could tell me was the account was inactive and they gave me a number to call to reactivate my account. I'm not interested in activating my account I just want to know what, if anything, I owe, they were not able to tell me. What should I do?

Wed, 12/14/2011 - 04:07 Permalink
Barbara Crawford (not verified)

I am refinancing my home and CBNA shows up as having made an inquiry into my credit or is on my credit report now my bank loaning company is asking me to explain. I have no idea what this can be in regards to except that I recently sold my other home. Can you explain the reason for the inquiry, the contact name at lender and the dollar amount of credit requested?

Tue, 12/27/2011 - 04:29 Permalink
Sandra (not verified)

why aren"t you ligit enough to make your company available to people who don't get home before 5 pm ????? to answer questions to square away your messy book keeping.

Fri, 12/30/2011 - 04:13 Permalink
harry j mason (not verified)

my credit report shows i owe 186.00 to cnba no 603532049580xxxx. i have no idea what is or where it came from. no one has ever contacted me about this. it is not a credit card number that i have ever had. should i just wait until somebody contacts me. thank you

Sun, 01/01/2012 - 00:35 Permalink
Tonia Jackson (not verified)

These people are placing inquiries however I have no clue who they are. Are there fraud cases against them.

Tue, 01/03/2012 - 12:59 Permalink
thomas J breidel (not verified)

I have not done business with this comp;any since 11/23/2003.
On the credit report from Experian it shows that my account is still
open even though I asked this company to close my account.
I have tried internet and got many different ph # which did no good. All I want is for them to closed my account.

Thu, 01/05/2012 - 22:06 Permalink
MG (not verified)

How do I get CBNA to put a good credit account back in my credit report. I filed a dispute for some accounts in my credit and unfortunately the good account was processed. How do I get that good account record back in my record.

Sat, 01/07/2012 - 04:10 Permalink
kristyhedrick (not verified)

I am near excellent on my credit report and it says the report from CNBA is keeping me from this score. It shows a $0 balance, but I don't even know what this account is. Could you please tell me what this is and how to remove it from my credit report?

Mon, 01/09/2012 - 20:20 Permalink (not verified)

hi i have or do not reconise account for on credit its for cbna for 2300.00 dolars

Fri, 01/13/2012 - 02:13 Permalink
kristin (not verified)

i just ran my credit report history and citicards cbna is showing up that i opened the account on feb 1986 i was only 4 years old. so i feel that this is an invalid account on my credit report. being that i would only be 4years old and even if this would be my first credit card no way on my "first credit card that i got at 18 mind you that they would give me 1300.00 should i just follow the instructions you have applied to just contact the credit bureau of north america llc? it shows as paid and closed. and the date of last activity was dec 2003. i dont know what this is. thank you for any advise you have to offer.

Tue, 01/17/2012 - 10:44 Permalink
kamilah gilliard (not verified)

why are you inquiring about my credit?

Fri, 01/20/2012 - 06:10 Permalink