How should I go about handling this?

[Dala3]

Hello:

I reside in New York, and I recently pulled up my 3 credit reports and have a question. I have about 10 negative items, but one definitely irks me. The collection amount is for $69 (yes, $69!!), that I do not recognize. :confused:
This item was last reported on 4/2009. I'm not sure where this item came from and when. I'm not sure who the Original creditor was, and the account # (credit report omits the last few #s) Who should I contact, the 3 credit bureaus or the coll. agency (NCO Fin/27)?

This is going to be the first item that I will dispute since its just so tiny and pathetic. Should I just rather PFD it and get it over with, or try to see if its a mistake on my CR? What should my first steps be?

Thanks in advance and sorry for such a newb question.

[chane]

Originally Posted by Dala3

Hello:

I reside in New York, and I recently pulled up my 3 credit reports and have a question. I have about 10 negative items, but one definitely irks me. The collection amount is for $69 (yes, $69!!), that I do not recognize. :confused:
This item was last reported on 4/2009. I'm not sure where this item came from and when. I'm not sure who the Original creditor was, and the account # (credit report omits the last few #s) Who should I contact, the 3 credit bureaus or the coll. agency (NCO Fin/27)?

This is going to be the first item that I will dispute since its just so tiny and pathetic. Should I just rather PFD it and get it over with, or try to see if its a mistake on my CR? What should my first steps be?

Thanks in advance and sorry for such a newb question.

You should dispute the items in writing with the CRAs. It may take a few disputes. Don't contact NCO, especially not by phone. That is a huge mistake. Do a PFD as your last resort.

[Dala3]

Originally Posted by chane

You should dispute the items in writing with the CRAs. It may take a few disputes. Don't contact NCO, especially not by phone. That is a huge mistake. Do a PFD as your last resort.

Thanks Chane! Can you recommend a good credit report website, or should I call all three credit bureaus to order separate credit reports? Seems like the "3 in 1" report I ordered from (mycredithealth.com) omits some important information such as the DOFD, original creditor and acct #.

[jjgross]

Originally Posted by Dala3

Thanks Chane! Can you recommend a good credit report website, or should I call all three credit bureaus to order separate credit reports? Seems like the "3 in 1" report I ordered from (mycredithealth.com) omits some important information such as the DOFD, original creditor and acct #.

I would go to each bureau and get all my info.

[Dala3]

Originally Posted by jjgross

I would go to each bureau and get all my info.

Thanks jjgross! My thoughts exactly.

[improving]

Or if you're in the market for a home or auto loan - have them pull it and give you a copy - it tends to be less expensive.