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hnb ind- any info?

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jmr442



Joined: 25 Mar 2010
jmr442's page
Posts: 1



37 Magic Points

Subject: hnb ind- any info?
 
Posted on Thu Mar 25, 2010 4:01 pm  

In the process of buying a house- have been monitoring my credit for the last 6 months. This "HNB ind" just showed up on my report this month- says account was opened in 1991 and has an outstanding balance of $1500. Also last activity reported was 2007. First of all I was 11 in '91 so I don't think I was even eligible for credit then, second I have never recieved any communications from these people and lastly why did it just show up on my report? I have copies from oct-feb that doesn't show it on them. Equifax is the only one reporting it- what should I do?

Thanks in advance
JMR
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



541 Magic Points

 
Posted on Fri Mar 26, 2010 3:02 am  

Pick up the phone and call Equifax and tell them that you want to file a dispute and tell them that you were 11 years old at the time, the creditor will have to prove to equifax that it is indeed a valid debt or they will have to remove it.
Aaron

Aaron

Joined: 08 Feb 2010
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48565 Magic Points

Subject: debt validation
 
Posted on Fri Mar 26, 2010 5:12 am  

Hi jmr,

You should first send this company a debt validation letter through certified mail, requesting a return receipt. You will be able to get a sample debt validation letter at http://www.creditmagic.org/repair/sampleletter-debtvalidation.html .

Debt validation will help you to know whether or not the debt is valid. Whether or not you really owe this debt.

Hope that they won't be able to validate your debt. You can then use the validation documents to dispute this item off your report.

Hope this helps.

Regards,

Aaron
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