How do I get an adverse Account off of my credit report?

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How do I get an adverse Account off of my credit report?

I went to national retain chain to buy a jacket but found out that my credit card didn’t work. I received an explanation letter that I have a previous delinquency with the store. My credit report is showing an adverse account of a past due bill of $55 and that my credit card was closed by the credit grantor 8 months ago. The store never notified me of the past due bill or when my credit card was closed. How can I pay this bill and get this off of my credit report?

Asked on November 22, 2011 under Bankruptcy Law, California

Answers:

MD, Member, California Bar / FreeAdvice Contributing Attorney

Answered 10 years ago | Contributor

If you made purchases on your credit card, your credit card company either sends you hard bills by mail or if you opt in, it will send you email statements or notifications only. You are responsible to know that you will be owing money by a certain time period if you made a purchase and if you opted in to email statements only, you are obligated to ensure the email is not going into your spam filter or something similar. If after all of that, you still did not receive any notification, this may be a violation of the Fair Debt Collection Practices Act and the newly revamped credit card act. Pull up each of your credit reports (you get one free from each of the three credit reporting agencies every year). Now disputes are automated so once you see it on your credit report and how it has been reported, make sure you then file the dispute online and wait.


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