CBNA shows up on your credit report – What should you do?

Submitted by roocky on Mon, 04/06/2009 - 23:11
Forums
Credit repair

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

Gerry Whitfield (not verified)

It is better you contact the First Savings Mortgage Corporation regarding this matter. This community offers credit solutions to the people. So, I don't think that the community has obtained a copy of your credit report.

Mon, 04/01/2013 - 04:11 Permalink
Maggie (not verified)

Hey Carol, thanks for the great info. I just obtained a copy of my credit report and noticed that my 2nd mortgage loan didn't enter into the foreclosure along with the first mortgage.
I bought my condo back in 10/2005 and was foreclosed and resold on 04/2008. I had an 80/20 loan and my understanding was that both loans would be merged into the foreclosure process. The second loan was a line of credit, that I never touched, issued by Citibank. Now, I realized they've been trying to collect and my credit is ruined as a result. Do u have any advice for me? Any insight would be greatly appreciated.

Thank you SO much!

Maggie

Wed, 04/03/2013 - 00:16 Permalink
Gerry Whitfield (not verified)

Well, you don't have several options in your hand right now. You've to pay off your second mortgage as soon as possible. The loan didn't enter into the foreclosure process. You're still liable for the loan and you need to pay it off.

Wed, 04/03/2013 - 12:14 Permalink
Doonan

I have a new inquiry on my credit report from a CBNA. It list the address at SIOUX FALLS in SD. But no contact number. I have no derogatory or outstanding debt. I'm trying to find a way to get in contact with them to see what this is about. I'm trying to save to buy a house. And I don't need any negative information on my credit. Can you please help in any way ?

Fri, 04/05/2013 - 13:01 Permalink
Lakita Winters (not verified)

I called the listed phone No. for CBNA (615) 446-7128 and the line is longer in service. I need a good phone No. to pay off my collection account.

Wed, 04/24/2013 - 19:10 Permalink
mpawlak (not verified)

Has anyone received a good number to call to inquire about the CBNA on their credit score! Thank you so much

Thu, 04/25/2013 - 18:29 Permalink
harold w allen (not verified)

hi, i am trung to refinance my house and i would like my name removed from an acct. what do i have to do?

Wed, 05/01/2013 - 14:13 Permalink
sonia rendon (not verified)

WHY APPEAR I OWE TO CBNA $1617 IN MY CREDIT REPORT IF I GOT
BANKRUPCY IN 06/11 AND EVERYTHING WAS PAID?
REPORT #5053 SONIA RENDON

Tue, 05/07/2013 - 22:54 Permalink
Jeanette Perry (not verified)

Home Depot recently ask me if I wanted to open an account with them because I was buying something and didn't have a Credit Card with them and I said ok. I got the Credit Card the other day but now this THD/CBNA shows up on my Credit Report, it shows $0 but why does it show up at all and after reading about the trouble others have had with this place, I'm afraid that I will have a problem. What can I do, should I close the Credit Card they sent or what?

Jeanette Perry
Red1Jet@hotmail.com

Thu, 05/09/2013 - 02:57 Permalink
Lisha Klumpp (not verified)

I am not aware of what this is. I have been monitoring my credit for over 2 years, why is this popping up now? Citicards CBNA from 10/05/2006. This is 2013...I have not spoken to anyone about this or am not aware of what this is so cannot provide information. It showed up in February.

Thu, 05/09/2013 - 19:21 Permalink
Bobbi (not verified)

H Carol,

I'm in the middle of my refinance. The bank is inquiring about CBNA, Credit Plus Residential Finance. I am trying to figure out if that is citi bank looking into my credit, since I was opening a credit card to transfer my balances or i tried to refinance with wells fargo over a month ago & thought that maybe it was them? Can you help & point me in the right direction? Thanks!

Fri, 05/10/2013 - 12:54 Permalink
linnea sweeney (not verified)

yes I would like a letter fax over to239-656-8289 stating that this account is closed and paid in full. A letter was to be mailed but no one ever did it. And I must have this cleared as soon as possible. A faxed letter would be plenty for what I need. All I have is the last for numbers 3049?

Mon, 05/20/2013 - 15:13 Permalink
Bleu723 (not verified)

My credit is ruined by unpaid student loans. Then I noticed this on my report -- I don't think it is active -- it doesn't indicate money owed.... or anything. I don't even recognize it.... What is this?

CITICARDS CBNA ****
701 E 60TH ST N
SIOUX FALLS, SD 57104
Phone number not available

Date Opened:
03/25/2003
Responsibility:
Authorized Account
Account Type:
Revolving Account
Loan Type: CREDIT CARD
Date Updated:
04/11/2011
Payment Received:
$0
Last Payment Made:
07/28/2004 Pay Status:
Current; Paid or Paying as Agreed
Terms:
Paid Monthly
Date Paid:
07/28/2004
Credit Limit:
Credit limit of $15,000 from 03/2011 to 04/2011

Mon, 05/20/2013 - 21:34 Permalink
Debra (not verified)

Hi Carol, as I am applying for a refinance the bank is inquiring the credit checks: FA CREDCO, CBNA, WEBBANKBML. I applied to 1 bank & spoke to 2 others without a formal contract. I explained this to the bank, they suggested a Google search to help me explain the credit checks, Please help, I do know CBNA , but the other 2 I have no idea.

Mon, 05/20/2013 - 22:00 Permalink
Marianne Martin (not verified)

What is the best way to close joint checking accounts so our credit scores don't suffer when u have been divorced for 15 yrs and although the husband was designated as the person to pay the balances on these cards he did not do so but has been mostly current on paying and he is now in a position to pay off the balances . Many of these accounts are over 20 years old.

Mon, 05/27/2013 - 23:32 Permalink
millicent (not verified)

i would like to know why CBNA made an inquiry on my credit

Tue, 05/28/2013 - 17:33 Permalink
Kenny Coalson (not verified)

I am Kenny Coalson and I am writing due to checking my credit report showing that I owed a company with the abbreviations BRND/CBNA 596.00 with a limit of 3000.00 for some sort of an account that I am definitely unaware of. Can someone please contact me at samesounds1@yahoo.com or call 404-290-3755 to help me straighten out this mishap. I would greatly appreciate a response.

Sat, 06/01/2013 - 01:59 Permalink
Donev Froberg (not verified)

This is to inform you that we have been a victim of MAIL FRAUD, someone went on to USPS website and had our mail forwarded to Memphis TN and the credit bureau reported that you were inquiring of our credit report. Please do not honor this request

Doneva Froberg
Doug Froberg
5419 Northwest Dr.
Bellingham, WA 98226

Tue, 06/04/2013 - 18:26 Permalink
sean seaman (not verified)

I wish to be contacted to address the items that are on my credit report. I have a copy of the report and I want to attempt to repair these items. thank you,Sean B Seaman 305-923-4751

Wed, 06/05/2013 - 01:17 Permalink
Norman Kruse (not verified)

We had no knowledge of this or any other outstanding amount owed to anyone. We would appreciate any information you can obtain for us Thank you

Thu, 06/06/2013 - 22:54 Permalink
Mary DiPonzio (not verified)

I have an unfavorable credit report from Sears and I don't know why

Tue, 06/11/2013 - 20:13 Permalink
Andrea Crockett (not verified)

I have had a payment come out of my account and I am not sure what I making this payment on...

Mon, 06/24/2013 - 02:55 Permalink
Van (not verified)

I was trying to refinance my loan and under the Undisclosed Debt Acknowledgement it shows CBNA and the date. Does this mean I owe a debt or an inquiry activity. Please help.

Sat, 06/29/2013 - 01:28 Permalink
Laurette Silva (not verified)

I have been informed by FBCS Inc, which also goes under the name of Federal Bond, that I am a vitcim of idenity theft. They had contacted me to collect a debt which Icould prove was not mine. I pulled my three credit reports and all looks fine excpet for some Inquiries. One is with CBNA through Equifax, since Exqifax makes it impossible to contact them I cannot clear this issue up. I was able to talk with Transunion on the phone to find out how to clear up the Inquiries that are on their report.

Mon, 07/01/2013 - 17:23 Permalink
Marlie (not verified)

I have this on my credit score that I have a balance due of $95. From the chld/Cbna. But I don't remember or recalling where is this from. And I can't get a hold of this place. I tried calling the (615) 446-7128 and is no longer inservice. How can I get rid of this so it does'nt hurt my credit score?

Wed, 07/03/2013 - 03:01 Permalink
padma (not verified)

i have this logo popping up in my credit score with a dollar amount. i dont have anything to do with them and i think there was a loan involved. what should i do. this was not me!!!

Tue, 07/09/2013 - 16:58 Permalink
patricia carlisle (not verified)

My credit report shows that I have an account open with your company. I don't use this account please close it. The telephone number on this page is "not in service" because I tried to call it.

Wed, 07/17/2013 - 14:53 Permalink
Wayne Stegeman (not verified)

a hard inquiry appeared on my credit report today and have no idea what it is? I called the number that is listed for CBNA but it is disconnected????

Fri, 07/19/2013 - 17:47 Permalink
Becky (not verified)

Hi

I just looked at the inquiries on my credit report and CBNA is showing up several times. I dont have any accounts with CBNA or entries on my credit report they are just listed several times in my inquiry column. Have their inquiry's lowered my score? The last time I see that they inquiried was June 24, 2013. I dont have any negative information in my file from any creditor at all- so I dont know why they would be inquiring about me.

Thanks!
Becky

Mon, 07/22/2013 - 11:13 Permalink
Cheryl (not verified)

Why is my credit report being checked with you when I do not have an account with you?

Sat, 08/03/2013 - 04:33 Permalink
EMMA J HUNTON (not verified)

THIS IS SHOWING UP ON MY CREDIT REPORT AND I NEED TO KNOW WHY.
I AM IN THE PROCESS OF TRYING TO REFINANCE MY HOME AND THIS SEEMS TO BE A PROBLEM.

Tue, 08/06/2013 - 17:16 Permalink
Dawn Lassiter (not verified)

How do you know if CBNA is, still, on your credit report?

Fri, 08/16/2013 - 22:10 Permalink
glennlee@ameri… (not verified)

I am attempting to refinance my home & the lender is questioning
This that shows on my credit report.

CBNA/THD 05-30-13

Could you please tell me / us what this was.

Thank You : Glenn Lee / 38945 Wingate Dr. / Clinton Township, MI 48038 - SS # xxx-xx-1776.Date of birth 12/08/1946 - 586-286-6909 home phone - 586-709-5414 cellular. I would appreciate it if you could tell me what this inquisition concerned. I am fighting the clock on this. Your prompt reply would be appreciated. Sincerely - Glenn Lee

Tue, 08/27/2013 - 22:49 Permalink
James L. Graham Jr. (not verified)

CNBA is on my credit report. I would like to know what is cbna, and why its on my credit report.

Wed, 09/11/2013 - 17:24 Permalink
Melissa Steele (not verified)

Carol - The above phone number for CBNA is out of service. Do you happen to have a new phone number or another way to reach them?

Sincerely,

Melissa Steele

Tue, 09/24/2013 - 17:40 Permalink
Mary Montgomery (not verified)

i was wanting to know what i can do about getting these remove from my credit report

Tue, 09/24/2013 - 21:24 Permalink
radika grandison (not verified)

Can you please contact me..I called the phone number listed on this page but that number is disconnected... I have a hard inquiry from this company on my credit report I wanted to know what's it's for... My number is 3477256227

Fri, 10/04/2013 - 17:00 Permalink
BURU (not verified)

Hello,

I am trying to find a valid phone number to contact CBNA as it appears on my credit report and I do not recognize such debt. Can you please post a valid phone number for CBNA?
Thanks

Sat, 10/05/2013 - 21:24 Permalink
charled (not verified)

Hi carol can you tell me howto contactthe cbna

Fri, 10/11/2013 - 17:29 Permalink
Julie Lake (not verified)

I'm questioning what activity took place 8/12 and the reports date of 9/13? I think this is a credit card that I haven't used since I don't know when...2009???or before??

Wed, 10/16/2013 - 14:19 Permalink
Robert K. Wysocki (not verified)

I just opened a Credit Karma service and noticed the subject account that was opened over 2 years ago. It shows an outstanding balance of $84. I have no knowledge of ever having such an account. Please advise.

Bob

Mon, 10/21/2013 - 13:26 Permalink
Brenda Atkins (not verified)

what does these letters stand for ODPTC/CBNA

Tue, 10/22/2013 - 03:46 Permalink
Sheila Spafford (not verified)

How can I get a THD/ CBNA off my credit ? it's in goofing with 0 bal. I have not used it in year but till. Opened

Mon, 11/04/2013 - 21:28 Permalink
Bryan (not verified)

This is how the acc. reads on my credit report. Is this a sears account
that has been turn into cbna ? Also this address on credit report reads Sioux falls SD is this a branch of cbna?

Tue, 11/05/2013 - 20:40 Permalink
April Dennis (not verified)

I have a outstanding balance on a old shell/citi card that is showing up on my credit report what can I do about settling it?

Thu, 11/07/2013 - 01:51 Permalink
Akeem Saunders (not verified)

Why did CBNA showed up on my credit report?

Tue, 11/12/2013 - 23:44 Permalink