CB Addresses for Disputes

duke731 · 07-02-2007, 11:22 PM

Hi folks,

Just reviewed my CR and noticed my score tanked; from 728 middle to a 636 middle, ouch!

All due to a business credit card that has gone unpaid 90 days.

I thought they didn't report on personal credit? wrong! Just when I am coming into a lump sum this month to pay it all off. Figure I'll dispute in hopes of getting them deleted first. If I fail, then I'll pay it off. also, can anyone offer advice on how to repair/remove lates? The business credit card is the only one with lates.

Does anyone know the addresses for the 3 cb's for disputes?
EX
TU
EQ

Qtip · 07-02-2007, 11:39 PM

I moved your post to the credit forum.

Equifax Online Dispute: How To Dispute Your Credit Report

Experian | Credit Dispute

TransUnion Personal: Credit Disputes

duke731 · 07-02-2007, 11:46 PM

thanks; for the move and the information.

Qtip · 07-03-2007, 01:03 AM

you are welcome, glad I could help.

Enigma · 07-03-2007, 06:05 AM

Did you give a personal guarantee for the cards??

If they are Citi backed cards, you did and they will report.

duke731 · 07-19-2007, 01:15 PM

Yes, I gave a pg. And since my last post/response things have gotten worse. Repeated collection calls from the business cc cos. Would like to see if I can settle but am unsure on how to go about it. Can anyone offer any help or am I stuck with charge-offs/or paying the full amount?

jlynn · 07-19-2007, 02:03 PM

With it only being 90 days, if you make up the back payments, it should bring it current. You won't have a charge off, but only some slow pays reporting.