I recently signed up for a cell phone and was turned down due to something on my credit file. I was stumped! I left the booth and headed directly to Equifax. I asked for a copy of my report and got it. There were two bad debts on it. I didn't even know they were there!
One states it went to third party for collection and was unable to locate: balance reported as 0 revolving R9. past due R5, past due R4.
I asked why I was never notified about the debt and really was unable to remember it. It says a year ago. It was with a dept. store financed by wells fargo, I recently found out wells fargo canceled business with that particular store or vice versa. No one got in touch with me! Is there anything I can do to have this removed from my report? Equifax says it will remain for 6 years and it is illegal for them to remove it!
Number two is another dept. store which I made a purchase from in Feb. 2009 and they claim I made it in July 2008. it was for a mere $49 bucks and as soon as I found out it was outstanding I immediately went to the store and paid them. What can I do to have these removed? I have so much good credit that this is affecting everything, even my ability to gain employment!
I can't believe it!
:mad: