One CRA deletes but the other one don't

Discussion in 'Credit Talk' started by LouR1, Jul 13, 2009.

  1. LouR1

    LouR1 Member

    "Help" I disputed a collection on my CR with 2 of the CRA and one of them deleted my collection but the other one said it was verified. How could that happen? Did I do something wrong?
     
  2. Hedwig

    Hedwig Well-Known Member

    Is it a valid collection account? If so, that's why it was verified. Perhaps one of the CRAs didn't get the verification back in time.
     
  3. apexcrsrv

    apexcrsrv Well-Known Member

    Happens all the time . . . one CRA isn't bound by the other two.
     
  4. LouR1

    LouR1 Member

    It is a valid account but it was for my business. The business is now closed. To my knowledge business owners are protected by it's corporation especially LLCs. I disputed 2 other inquiries in the past for business related accounts that all 3 CRA deleted immediately. Thanks for the advice. What should I do now?
     
  5. Hedwig

    Hedwig Well-Known Member

    If you gave a personal guarantee for the credit, it will show on your personal report even if it was in the business name.

    That's why they require the PG--so they can come after you personally if there's a default. That makes it a valid debt to appear on your personal report.
     

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