What is the name of your state (only U.S. law)? Massachusetts
Hi all,
I'm trying to help my girlfriend clean up her credit and she has a $399 debt from a phone company that is listed as Key Derogatory. In looking at her report there are three things that strike me as being odd. One: She is listed with a different middle name under "also known as". Two: It says the account was opened in 2007, which wouldn't make sense because we've been on the same phone account under my name since 2003. She's had her own phone before 2003...but I want to make sure that this is actually her debt. Three: It's only been reported to Experian. She has a pretty good score on TransUnion and Equifax.
So, at the moment she has the money to pay it off and I'm looking on how to instruct her to do it in a way that will not further bring her score down. So a few questions:
1. How do we find out if this bill is actually hers? I'm thinking call the company and request documentation...but I hear it must be done in a specific manner.
2. If the bill is hers, is there a way to pay the debt with a guarantee that the blemish will be removed from her credit report.
Any insight is appreciated.
Hi all,
I'm trying to help my girlfriend clean up her credit and she has a $399 debt from a phone company that is listed as Key Derogatory. In looking at her report there are three things that strike me as being odd. One: She is listed with a different middle name under "also known as". Two: It says the account was opened in 2007, which wouldn't make sense because we've been on the same phone account under my name since 2003. She's had her own phone before 2003...but I want to make sure that this is actually her debt. Three: It's only been reported to Experian. She has a pretty good score on TransUnion and Equifax.
So, at the moment she has the money to pay it off and I'm looking on how to instruct her to do it in a way that will not further bring her score down. So a few questions:
1. How do we find out if this bill is actually hers? I'm thinking call the company and request documentation...but I hear it must be done in a specific manner.
2. If the bill is hers, is there a way to pay the debt with a guarantee that the blemish will be removed from her credit report.
Any insight is appreciated.
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