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

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

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

Mr Marcus (not verified)

so i have a hard inquiry on my credit report and i haven't applied for anything recently. I don't have any credit cards or bank cards/accounts wit Citi bank so I'm really unsure of how and why this occurred.

Tue, 09/17/2019 - 17:15 Permalink
Heath martinez (not verified)

I have a TRAC/CBNA on my credit history what is this

Tue, 09/17/2019 - 19:03 Permalink
qpidnetworkgoc (not verified)

'Sick' Sandile Mantsoe received doing murdering Karabo Mokoena

In being among the most widely witnessed hard situation during the last year, Sandile Mantsoe has been seen as doing murdering his / her ex girl Karabo Mokoena.

for your south Gauteng justice of the peace courts on to wed, Mantsoe was found guilt ridden inside all the three counts with regards to defeating its edges proper rights, Premeditated homicide and as well as infiltration by way of intentions in order to grievous bodily harm.

Mantsoe who has thought to be alienated by his own better half features three teenagers was in a loving relationship accompanied by Mokoena sept 2016. the actual seven months of their total union, Mokoena confided in kin that many Mantsoe had to be mistreating the lady's.

actor ascertain Peet manley announced within cross punch analysis, Mantsoe endured as a considerate not too strong see, While many other witnesses emerged in advance accompanied by too far more robust transactions.

tried QPID NETWORK a half sufficiently, which he seemed to be collaborating within your query because of Karabo, johnson these, regarding the supposed operate Mantsoe boasted focus on correct after Mokoena was regarded as divulged omitted.

were intimate with faraway from his everyone they used your loved one human on top of that burnt off it other than realization, johnson carried on.

Mantsoe supposed that law enforcement captain that also busted your ex developed desired to know for that give incentives to to be released for.

johnson defined as the following existing fabrication

most of Mantsoe siblings obtained been deliver a presentation, most notably your boyfriend's expectant mum, related, uncle as sister. manley announced that rrn spite of Mokoena self genuinely lost, along with certain the last signals which had been readily available to the court by their state, Mokoena what causes end came stabbing.

trial, according to inference, Is able to conclude that experts claim your girl passed for stabbing. She was not able to have was slain to do with any other product, he explained.

conversing in for the ANC women category in the garden court on saturday, Gauteng qpid NTEWORK MEC to produce Social tendency Nandi Mayathula Khoza revealed that the league might have been excited that rights became serviced.

judge commonly found the accused accountable and then we are pleased with the view. he or [Mantsoe] experimented with hide all evidence simply he has been discovered at fault at any rate. We are seeking for the absolute maximum sentencing to be enforced sadly in addition feel that he has to get professional help because he is a not well child. the individual needs to reflect and even think of what seen, Mayathula said.

she added of regardless of the ongoing marketing promotions that your ANC in Gauteng, pre lit trees when top-quality brian Makhura, interested in in relation to final point violence versus women and kids, there were a whole lot sufferers along these lines.

hugely said there is femicide in today's world. there are other and more claims that way that can come to in the court, yet,yet somehow we will continue to voice message or raise insight to bring help a finish to that assault, your mom supposed.

Mantsoe seen up to now claimed that Mokoena was considered taking once life which the actual directly on overdosed remedies them and slit arms. assess manley overshadowed this in however, asserting there's no tendency that Mokoena want to end her lifetime thinking that your girlfriend expressed every single and every defense to live.

Wed, 09/18/2019 - 14:31 Permalink
Janine larson (not verified)

I have a citi bank cbna on just my Equifax credit report that I do not recognize it is a flexible spending account with a 10,000 dollar limit and owing $2583 it is paid in time, I just did a refy and escrow wants to pay this off but it is not ours and I need a letter sent to them saying it doesn’t need to be paid off? Do I call the credit bureau or citi bank?

Wed, 09/18/2019 - 19:19 Permalink
srapp@foamdist.com (not verified)

I need to get to my statement to refinance my house...I have a lot of credit cards and I am not sure what this one is .. its just says THD/CBNA and I owe 382.00

Tue, 09/24/2019 - 15:41 Permalink
CA Kingsbury (not verified)

I don’t know if this is the correct company that I need to speak to but I have received a numerous amount of charge offs on my credit report for the same creditor, BBY/CBNA. If this is, email me at
Caklpn@hotmail.com.

Mon, 09/30/2019 - 02:33 Permalink
Thomas J Maddox Jr (not verified)

CBNA is on my credit report I don’t know why I don’t have not unpaid bills and I don’t have a account with citi bank could you please contact me concerning this matter
Thank you

Wed, 10/02/2019 - 04:31 Permalink
Stacey Porter (not verified)

I would like to know, why you feel it is necessary to continually pull hard inquire information on my Citi - Costco card, Citi - Shell card, Citi - Expedia card and my Citi - Home Depot card?

Do you realize that every time you do this, it causes my credit score to go down?????? Why are you doing this?

You have caused considerable harm to my credit score with all three agencies.

PLEASE STOP THIS RIGHT AWAY! You should have to ask permission to do this and give me a reason why, before trying to completely ruin my credit.

Sun, 10/06/2019 - 19:21 Permalink
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Sun, 10/13/2019 - 08:02 Permalink
Thomas Prpich (not verified)

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Sun, 10/13/2019 - 20:30 Permalink
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Mon, 10/21/2019 - 18:58 Permalink
Kathy Fiona (not verified)

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Tue, 10/22/2019 - 21:39 Permalink
WalterCriva (not verified)

What do yout consider of Asian and Hispanic Dating

My current roommate is from Honduras and his ex girlfriend is from China. What is wrong with that? not one thing. People stare for dumb several reasons, They are usually bored by seeing the same types of people all the time. back in the day when blacks were dating whites, Now it is Asians dating anyone that isn Asian. Nothing wrong with that because in the long run the world will end up having people whose names reflect their heritages. Like Mohammad Ferdinand MacGullicutty or Susan Jai Wong or something where all heritages are mixed into one class of person. Of course that asiame review definitely will take another few thousand years, But I will let you know, Cause I intend on still being around then.

I think it great! And do not about people looking at you. several may, But I think some of those looks are probably because you two make a striking couple. We get accustomed to seeing in a mono cultural way, When we see different things we are often surprised, fascinated, And involved. That why functioning. So don worry. please take fun, Be yourselves, And let the unexpected happens as they should between two people who respect one another and care for one another. You are a great example to everyone else, asiaME.COM what ever culture we are from.

Dont mind those people, They are just jealous cuz im sure you two look cute with him or her! Just think how beautiful your children would be if you got married!

there is not one thing wrong with interracial couples and if anyone tells you different, simply ignorant and need to grow up.

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Sun, 11/03/2019 - 20:07 Permalink
Heather Jones (not verified)

I have an oppen account with citibank but I do not have a physical citibank card. Is this an actual credit card and if so can I attain one?
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Tue, 11/12/2019 - 16:07 Permalink
Dianne Beshears (not verified)

CBNA has shown up on a credit report I recently had done. I am trying to figure out the situation. It is showing up as a "charge off" of $330.00. Im not even sure what that is. I am wondering if this was a credit card that came to me when I moved away from one address to another. And then perhaps the bill was not forwarded to me. I am in the habit of paying off all of my bills. So I need to know what to do at this point to get to the bottom of the situation as it is hurting my credit.
Thank you,
Dianne Beshears

Tue, 11/12/2019 - 16:46 Permalink
PATRICIA JENKINS (not verified)

A debt has shown on our credit history and I would like to know what it is , from whom and how to clear it up.

Mon, 12/09/2019 - 19:02 Permalink
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Mon, 12/09/2019 - 20:45 Permalink
Muriel E Brown (not verified)

What credit card is this I see it on my credit report with Experian.

Wed, 12/11/2019 - 13:18 Permalink
Muriel E Brown (not verified)

What credit card is this I see it on my credit report with Experian.

Wed, 12/11/2019 - 13:18 Permalink
Muriel E Brown (not verified)

What credit card is this I see it on my credit report with Experian.

Wed, 12/11/2019 - 13:19 Permalink
my Name is Ism… (not verified)

Hi i check my credit report and i see i have CBNA it is some i don't remember about it is balance $ 10,121.00

Wed, 12/18/2019 - 21:17 Permalink
Williamnet (not verified)

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Dylan formed when he was seven at Oliver's Gym. He say's he didn't get into it without delay "I wasn't the best fighter at the gym when I first started but I moldova ladies kept going and now I am a European and British Champion but I just liked the fighting and training directly. I won my first title in 2009 the marriage gifts was nine, I had my first fight recently there, It was in the British World Karate Association championships, I got to the next and I won it,

Dylan trains at Evolve three nights a week and is filled with praise for the gym "it's good, It's got loads of apparatus, a weight load, pillow top, Spare head protections and gloves, You don't really need to buy anything you can just come down and train,

You can do other things as well, among them Parkour, Boxing and fighting technique. Evolve is the primary centre for Parkour in the North West, the spot is unique. It is only two years since it set up and already it is attracting leading athletes and training the stars of the future. Recently Laura Watson from St George's RC university in Salford trained at Evolve before becoming World Speedway Cycle Champion.

Dylan's advisor and dad Stan Bowen, Who has also been born and bred in Lower Broughton, And has been involved in Thai Boxing since he was 19 years old. he started coaching at Ronnie Greens, Went on to coach at Oliver's Gym in Whit Lane and then moved to Evolve in the last few years. Stan has now trained three champions Connor Radcliffe, Mathias Akinyemmi since Dylan.

"There are a lot of lads getting in to gangs and this is great way to get away from that sort thing" He points out "This was why I wanted Dylan to make it, and appear at him now,

what next for Dylan? He's been invited to fights across the globe but it costs over 600 a time and there is no funding, So he has to raise sponsorship to get there. The big one will be when Dylan goes to Moldova with Pete Spencley's Celtic Challenge England Team to fight in the K 1 World finals in March 2013.

Stan anticipates that Dylan will be world champion one day so watch this space

Evolve gives you free coaching for youth groups.

The developer also avoids the full planning responsibilities via a 'viability' report, Which hasn't been published despite the Council stating that in future there would be an 'expectation' that viability reports are published for the public.

music artist date: 2nd December 2019

DOES A BUS side of the road FIT HERE?

to prove the affect of a new 'bonkers' bus lane on the A666, today residents coned off a section of the road near Agecroft Fire Station during the rush hour traffic.

"We've tried asking councillors, Emailing them and inviting them to meetings and we were getting so fed up we thought we'd take direct action and show how bonkers the bus lane is down this end of the path" discussed Paul Brighouse, Of the group Stop The A666 Bus Lane mayhem.

Thu, 12/26/2019 - 06:02 Permalink
Patricia AmesUrie (not verified)

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Sat, 01/04/2020 - 21:29 Permalink
sai (not verified)

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Wed, 01/08/2020 - 15:50 Permalink
sai (not verified)

Hello,
Thanks for the info.
i have a question that i am worried about. i can see a credit pull/check on my creditwise account from Cbna for opening a new account which i am unaware of. i do not know who did that.
kindly help me here.
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Wed, 01/08/2020 - 18:21 Permalink
Karen Williams (not verified)

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Fri, 01/17/2020 - 17:39 Permalink
Karen Williams (not verified)

Why do have a account under my social security number it's not me I want this removed from my credit I'm writing a very strong worded letter and a affidavit to stop this Fraudulent claim I'm also writing to BBB and looking up how to sue you because of these Fraudulent action .

Fri, 01/17/2020 - 17:39 Permalink
Gilbert Paul (not verified)

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Thu, 01/23/2020 - 03:08 Permalink