What to do now...

[cobbe]

What is the name of your state? SC

I disputed items on my credit report with the 3 credit bureaus. I got the results today. Transunion and Experian deleted 2 (yeah), but Equifax deleted none (boo). If they verified them with the creditors, don't they have to provide me proof that they did? Like a signed contract or something? They say they verified with the creditor and I'm just suppose to believe them? What is the next step to take? Also, how can one credit bureau delete an account and another say they updated it. Example, I disputed a Walmart account. Transunion deleted it, but Experian updated it. Said they verified. How is that? Last, since Walmart was deleted from Transunion, can they still come collect money from me. Any help would be greatly appreciated! Thanks!

 

[Skylyn]

You should really go to one of the credit sites to understand this better. CRAs do not provide you with contracts, etc., when they verify an account. They simply contact the creditor, if the creditor responds within the 30 days it is verified.

Just because something is deleted from your credit reports doesn't mean the creditor can't collect...

 

[cobbe]

Thanks so much for your help.