I got a credit report recently from Experian. On it, it has record of a MBNA credit card that I opened 9/1997. It says that it was 30 days late on 5/1998 and stayed late until it was charged off 11/1998. Now, I know that I did have this account when I was in college. But, as I recall it, it was late after the first month, so probably 10/1997. (I recall because I got kicked out of school 11/1997). I never contacted them again until I charged it off. I fixed my credit until then, and if this had the correct dates on it, it should be coming off my record this year. But since it has the date wrong buy 8 months, it will stay on my record 8 extra months. I called MBNA to verify the dates with them, and they said "We have no records of accounts closed more than 5 years ago." BUT, they do say they have the record of when it was charged off, nothing else. I disputed the record with experian twice. First, I said I had no knowledge of account. They denied my claim. Second, I tried to explain that I just wanted the dates changed. They denied it, and didn't provide any verification of what the grounds were. So what's the deal? If MBNA can't verify the account with me, how could Experian possibly verify it with them? How should I proceed? Should I contact the other 2 agencies? I need advice--any help would be greatly appreciated!
