To my shock, I received an overdue bill of $300+ for the activation and cancellation of an AT&T cellphone line. It was impossible that this account was under my name since I already had an existing account with the company and had never opened a second account. My first thought was fraud, but it turns out that Radioshack had somehow accidentally activated two accounts the day I asked to open one. Fortunately, an AT&T representative said that my dispute for this wrongful billing would likely be successful since it was done without my knowledge and that there had never been any phone use in the second account.
Great. However, I am aware that this overdue bill have negatively affected my credit score, even if it was through no fault of mine. I don't think this will come off my credit report by itself once AT&T takes the bill off under my name, right? The AT&T representative told me to request documentation of proof and send it to the credit bureau (all three of them??) to get it off of my credit report. My mom says that it is not I but AT&T who should directly send the documents to the credit bureau because it was them and Radioshack who are in the wrong. Who is right? What is the proper procedure for me to take if it should be me?
When you dispute it with the credit agencies you can send in the proof that At&t doesn't have to the credit agencies. Then they can get in touch with AT&T and they can agree to remove it.
wrongfully billing
It SHOULD be AT&T, but,....usually that doesn't happen. Sometimes 'we' need to clean-up the messes that companies make. It's YOU that is concerned about your Credit score being wrong (which is a 'good' thing) NOT the companies. Hope this 'advice' makes sense. If you have proof of all of this, it shouldn't be difficult for the CB's to 'update' your CR's.