What do I do if the credit bureau verifies an inaccurate listing?
I sent in a request for verification letter to Experian and they verified that a late payment on my credit report was being reporting correctly but it isn't. I was never late.Answers...
You can try disputing the late payment again with Experian using a different reason from the last time ("Not mine" vs. "Wasn't late"), but it may just get verified as accurate again or the dispute could be rejected for being frivolous.
Another option is to dispute the late payment with the original creditor. A lot of creditors do not keep very good records of things like late payments so there is a decent chance that they will not be able to prove that a payment was made late, even if it was. If they can't prove it, they have to remove it from your credit report.
Another option is to dispute the late payment with the original creditor. A lot of creditors do not keep very good records of things like late payments so there is a decent chance that they will not be able to prove that a payment was made late, even if it was. If they can't prove it, they have to remove it from your credit report.
Disputing the late payment with the original creditor is always a good option. A lot of creditors only keep records of things like late payments going back a year so if the late payment happened 12 months or more ago, they wouldn't be able to prove it. Also consider the number of companies that have been purchased, gone out of business or merged with other companies recently. A lot of data can get lost when information has to be moved from place to place. Even if you have late payments or other negative listings on your credit reports that are definitely your's, you might as well try disputing them as long as they are not accounts where you currently owe something.
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