If I understand correctly, your sister is a co-signer on an additional card also held by you, and both of you are having problems re-paying the debt. If this is the situation and the charge you are trying to dispute is the 6K from 2003, there's nothing you can do. If she was not a co-signer, then you will have to file criminal charges which I would assume you wouldn't want to do. Overall, the best advice for someone in over their head with financial strain is to try to refinance with any equity you may own in personal property, or see financial counseling to consolidate your debt. If you are behind in your payments, the credit card company may work with you on the remaining balance. Good luck
Just phone the credit card company and tell them what the problem is. They may be willing to fix it without requiring you to file a formal dispute. If they do have such a requirement, they will tell you what they require.
It would depend on whether or not this business account was showing on your personal report.It is customary for business loans/credit accounts to need a personal guarantor. Personally guaranteed accounts may show on your credit report. To dispute information on your D&B report visit www.dandb.com/companyupdate
A dispute on a credit report can take up to 60 days to be resolved.
If the error is showing on all 3 then yes, you have to dispute to each individual credit bureau. If it is only showing on 2, then you just dispute the 2 it is showing on.
If the lien appears on your credit report, you dispute it with the credit bureau. You can do this by ordering your credit report on line and issuing a dispute through their investigation department, of course, you will have to provide evidence for your claim.
Just phone the credit card company and tell them what the problem is. They may be willing to fix it without requiring you to file a formal dispute. If they do have such a requirement, they will tell you what they require.
Because of a dispute or an error.
It would depend on whether or not this business account was showing on your personal report.It is customary for business loans/credit accounts to need a personal guarantor. Personally guaranteed accounts may show on your credit report. To dispute information on your D&B report visit www.dandb.com/companyupdate
A dispute on a credit report can take up to 60 days to be resolved.
If the error is showing on all 3 then yes, you have to dispute to each individual credit bureau. If it is only showing on 2, then you just dispute the 2 it is showing on.
You can dispute any incomplete or any imprecise information on your credit report.
The best way to win a credit report dispute is to show proof of your claim.
If the lien appears on your credit report, you dispute it with the credit bureau. You can do this by ordering your credit report on line and issuing a dispute through their investigation department, of course, you will have to provide evidence for your claim.
The Fair Credit Reporting Act reads "...if the completeness or accuracy of any item of information...is disputed...the agency shall...conduct a reasonable reinvestigation...BEFORE THE END OF THE 30-DAY PERIOD beginning on the date on which the agency receives the notice of the dispute... It goes on to say that this time period "...MAY be extended for not more than 15 additional days if the consumer reporting agency (bureau) receives information from the consumer (you) during that 30-day period..." The hint here is not to write again with any additional info until you receive their response. You also need to allow for mailing time, about 3-5 business days. So, if you send a letter of dispute, and have not heard back within 35-40 days, write again.
You can dispute anything on your credit report with the major reporting agencies Equifax; transunion and Experian. You can go online and do an electronic consumer dispute form.
Dispute them with the credit bureaus.
An Experian dispute is a reporting of a negative credit on your credit report. Experian dispute can also be red flagged if filed incorrectly, so you need to be careful with that. The process can be unpleasant so make sure to have a good credit.