CBNA (Credit Bureau of North America, LLC) is a collection agency headquartered in Tennessee, USA. Though it has an A rating from the BBB, it's not a BBB (Better Business Bureau) accredited business. The acronym (CBNA) may also stand for Citibank North America. Read on to know what you should do when you're contacted by Credit Bureau of North America or Citibank North America.
What should you do if it's an old debt you haven't paid off?
If the collection agency (CA) or the bank is contacting you about an old debt, you should first check whether or not the Statute of Limitations (SOL) on that debt has expired. If it has expired, then the creditor or the CA cannot file a lawsuit against you to collect the unpaid amount. However, the creditor or CA may still use other out-of-court means to collect on the debt.
Before you make any payments to CBNA, you should negotiate with them to settle your debts if your financial situation doesn't permit you to repay the outstanding balance in full. Whatever option you choose, it is advisable that you negotiate a "Pay for delete" agreement. This means that the creditor/collection agency will remove all information on this account from your credit report(s) once you settle or pay off the debt in full. If the CA or the creditor doesn't agree to one, then at least try and negotiate for a "Settled as agreed" status on your credit report.
What if you've paid off the debt but it shows up on your report?
If you've paid off the debt but it's not reflected on your credit report as "Paid", then you should dispute it with Citibank North America or Credit Bureau of North America, LLC. You should send a dispute letter to the credit bureau asking them to correct the inaccurate listing. Or, you can contact the creditor or collection agency and ask them to co-ordinate with the bureaus on your behalf. The account should appear as "Paid" on your credit report.
What should you do if you don't owe the debt at all?
If you don't owe the debt and a collection agency is attempting to collect on it, then you should ask them to validate the debt. To do so, you should send a debt validation letter to the CA via fax or certified mail. However, if you're trying to deal with the creditor, then you must ask them to verify your account.
Sometimes you may find a listing on your credit report from a creditor when you don't have an account with them. In this situation, you need to dispute the account with the CA/creditor or the credit bureaus to get the incorrect item deleted from your credit reports.
How can you contact Credit Bureau of North America, LLC?
Credit Bureau of North America's contact information is:
Credit Bureau of North America, LLC
200 Creekside Dr.
Dickson, TN 37055
Phone No. - (615) 446-7128
Fax: (615) 446-2111
i want to pay
i just want to pay money-- i can not find a human to help me
PAID DEPTH
I PAID MY ACCOUNT BY MONEY ORDER A COUPLE OF MONTHS AGO AND IT IS STILL ON MY CREDIT REPORT
universal cd cbna
This credit card shoed up on my credit report with a small balance. The reporting adgency has no phone number but is located in Sioux Falls. It says someone is making minimum payments each month. I do not have this account and no one in my family is making any payments to it. I have checked all our family bank accounts.
citibank thd/cbna
i found an open account on my credit report wiyh a 6000 dollar limit and a zero balance owing. i dont remember opening thi account in 2007. does this look negative on my gredit. what should i do. i also do not have a card to this account
THD/CBNA
I have read the posts and advice about how to deal with this but I have a quick question. I do not have any credit cards at all and when I look at my score on creditkarma, it says that my credit card utilization rate is 81%. When I click on the percentage for more information, it says that the 81% comes from THD/CBNA. There is a listed card balance and a listed limit. Why does it show up on my report in that manner?
Identity Theft
I recently checked my son's credit report and it shows 2 credit cards with Citibank that are In Collection. The cards were opened in 1992 and 1995 when my son was 2 and 5. How do I dispute this and get the negative accounts off of his report? He is 21 and this is killing his credit.
Who is paying this bill.
Reviewing my credit report THD/CBNA appeared and T donot remember opening this account and who is paying this bill and it is current. #6035320001863. It was open 08-01-1996. Please give me information to clear this matter.
Think you in this matter.
Waldo T Cole,
wtcole83@live.com
225-257-4137
CBNA IN credit history
Disputing CBNA in my credit history. Remove your name in my credit history. It is listed on 4/6/12. Why?
Please help me understand
trying to close on a house. lender sent me that there is an unidentified listing I must explain on my credit. I have no idea what it is.... CBNA/Coach
Can you help me? Thank you so much!!
credit card fraud
I had my phone book stolen and i am trying to stop theives from getting new credit card in my name . your company showed up on my credit report. I need to cancell any card that your company approved . call me direct please 954-793-3773 c. bonfig
something on credit monioring report
Something has showed up on our credit monitoring report. one in CBNA from 08/01/2004 stating balance of $57.00, thne next report from THD/CBNA stating balance of $120.00. Really from that far back? Also one from the date 10/19/1989 from AMALGMTD TR??
A Credit inquiry by CBNA on 3-30-2012
I am in the process of refinancing my mortgage and was told by my credit union that my credit report includes a 3-30-2012 contact by/from CBNA. We have no debt other than our mortgage payment for almost 3 years. We pay all utilities etc. by check and we are not delinquent. Is there a problem that I don't know about?
CBNA on my credit report
I have an open account for CBNA with a balance of 1000. paid as agreed and a monthly balance of 1000. I don't know what this is and I have never paid on the account.
CHLD/CBNA 3/31/2012
Attempting to find out what this is on our credit report.
Hi Ca
In my credit report show up child/cbna I think is a credit card from children place and I ready pay it off and still showing off on my credit and I need to clear it I will appreciate any help
Thank you
CBNA
It showed up on a credit score and I dont have any debt?
I'm refinancing.
unknown debt
attempting to rectify credit report showing a balance of a current debt.......CHLD/CBNA on 3/31/2012.
CBNA
Today I refinanced my car loan and the Bank Manager advised that (CBNA) appeared on my credit report and in default for $700.00, from 2010. Have no idea what it is at all how can I find out.
Owe $24 or $29 to who?
According to my records I do not owe this amount of money to anyone. Who is the one saying I owe this money to?
I pay all my accounts each month. All I owe is for a Home Equity Loan and a Student Loan as co-signer.
I am really annoyed with this matter. It shows up in my Credit Karma account and I want it removed. Please contact me.
cbna contact info
Do you have another phone # other than the disconnected one ( 615 446 7128?
Thank You
Inquiries on Equivax and Experian 10/4/12
In looking at my credit report, I find two inquiries from CBNA on two of my three credit reports, both dated 10/4/12. What is this and why? I have had three fraudulent attempts to use my name and info to open credit card accounts.
Lanny Julian
8346 Farington Court
Bradenton, FL 34202
(864) 414-5976
email: ljulilan@tampabay.rr.com
" new activity"
can you tell me what new activity do i have with cbna?Maybe a new credit card? i JUST DON'T REMEMBER WHAT?
Thanks!
Thank you for the info on CBNA!
GRDN/CBNA
GRDN/CBNA shows up on my credit report, but when it shows the balance, it is $0.00.....so why does it show that I have $8,798.00 debt on this "personal loan" I have no personal loan and filed bankruptcy 6 years ago....this shouldn't be on my credit report...what do I do?
bogus credit claim
NTB/CBNA
Credit Limit
$1,100
Regular APR
19.99%
Avg. Spend / Month
$10
Reported Balance
$100
how do i get this off my credit reports and who do i supposedly owe this to ????
BMBY/CBNA?
Why does this show under my credit cards (on my credit report)? I have no credit card account with this people. Do u know who they are?!
Thanks. Anna
Debt with Citibank Sears Premier Card
There is a debt under this credit card. We are trying to contact them to make a payment agreement but all that we get are wrong phone numbers.
Something on my credit report
Have no clue what is show up, can you help me figure it out?
Fraud
Since end of September my ex wife has applies to 8 to 10 credit cards. I contacted FTC (social security office ) and filed a report. I ou a fraud alert with all three credit beuoros The FTC had me pull a credit report and stated that I need to call every bank and close an existing accounts she opened. CNBA showed up on my credit report 11/05/2012. Not sure even if its a bank. Not sure who to contact for this credit enquiry.
Citibank
Equifax has reported a revolving charge account opened in my name by THD/CBNA, PO Box 6497, Sioux Falls, SD 571176497. I did not request this account and they do not list a phone number or email address. How do I stop this?
fraud
The person using my card is my ex-wife, I have been in prison for ten years, how do I clear my credit?
CBNA
i FOUND THIS ON MY CRIDIT REPORT WHO IS CBNA SIOUX FALLS SD CA 57117
taking a name off my Citgo credit card
The card shows up on your CBNA credit report for my daughter, Emily Cannon Cummings. The card was stolen years ago. Emily has asked that I take her name off the card. #14108. Whom should I contact. I called Citgo and the card number has already been purged from their system.
Thank you.
Marianne Cannon
please remove
Hello I just got a credit report from a. Few yew.i noticed this item is on my report.its not mine and have no idea where it came from.how do I go about getting this removed?
negative imformation has been posted on my credit report. status date is 12/27/12(band card/credit card over limit. I do not have a sear card. Sears/cbna Post bx 6282,Sioux Falls, SD 571176282. What sould I do?
CBNA/National Credit Card Cos.
This has appeared on my credit history report. I have not applied for any credit, nor do I have any late/disputed credit. How can I find out what this is?
Hello,
I saw twice CBNA inquiries from my credit report (EXPERIAN), rest of both is fine. I didn't see any collections yet, but twice inquires below.
CBNA 10/25/2012 Unknown - Credit Extension, Review, Or Collection
CBNA 08/15/2011 Unknown - Credit Extension, Review, Or Collection
What should I do? I can't remember any outstanding debt?
credit report
can you please tell me why CBNA shows up on my credit report? I have no debt other than mortgage and HELOC. thank you
UNIVERSAL CARD CBNA
this is a credit card that is showing ulp on my credit report as in collections. I have never had an at&t credit card. please reply
sears/cbna
i went to get a car and found out some how sears/cbna is on my report being payed but open for 7400 and bal. is 2786 what do i do who do i contact please help me
It shows on my credit i have $3250 credit line and i have no idea what or were its from
It shows on my credit i have $3250 credit line and i have no idea what or were its from
CBNA
Why is this on my credit report - I do no have anyone trying to collect any debt from me.
Thank you. I tried to call the above number, but it has been disconnected. (615) 446.7128
CBNA showed up on credit report in gray tn and sioux falls s
i monitor my credit often and recieved alerts on my credit today apparently some one is attempting to get credit for home furnishings on said " Actvity " new trade dated 02/05/13 showed up as THD/CBNA with 000000 bal. same date differant state showed up as CBNA/THD so exactly oppisite of each other this one is in gray tn. activity was home furnishings but showed 0 balance . PLEASE TELL ME WHAT TO DO or if i should just check activity to see if credit is obtained Could it be that the one card i have thru citibank is at 00 balance ?
Open Account
How can I close my account with CBNA? I don't have any outstanding debt on this card.
Thanks
Heather
open account
My Lifelock account indicates I have an open account with your company. It has a zero balance. I would like the account closed. Thank you.
Radio/cbna
What is this and how do i get rid of it.
GRDN/CBNA
What does GRDN/CBNA on my credit report mean?
citicards cnba
A new credit card showed up on my credit report that i never applied for.........what should I do
Dispute the listing with the credit bureau as soon as possible.