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

Rebecca S Welch (not verified)

I recently pulled up a credit report and found a charge from Sears for $111. I do not receive any bills from sears or CBNA. Can you help me clear this up? Thanks, Becky

Thu, 01/15/2015 - 17:53 Permalink
Lillie (not verified)

I had a credit card with Bank A through a retailer, it seems like overnight the Bank A sold the retailers credit card financial portfolio to Bank B. Bank B never got a payment from me, I was locked out of my account. Anyway, my credit report reflects: Retailer/Bank A account sold; then, Retailer/Bank B account sold; then, CA company (who is listed separately but they're representing Bank B) by the way we're in court at this time-me and CA. Should they all be listed separately? How can I get them all removed once I settle with the CA since they pertain to the very same account.

Thu, 02/05/2015 - 16:33 Permalink
Elizabeth Chypre (not verified)

CBNA shows up on my credit report - the phone number listed on the web page is no longer in service:

Phone No. - (615) 446-7128
There's no dollar amount, etc. next to the CBNA listing. Is this a detriment or negative? How do I get that UNlisted?
E Chypre

Thu, 02/05/2015 - 18:35 Permalink
maruis achidi (not verified)

Hi carol i have a debt with CBNA and i was trying to setup a payment plan with them. is that advisable and if yes how can i contact them...

Mon, 02/09/2015 - 13:45 Permalink
Cherish stout (not verified)

I was checking my credit report and it says I have a $600 balance and I don't know why?

Tue, 02/10/2015 - 05:09 Permalink
Alechia Bean (not verified)

Good morning,

I am currently on active duty and would like to see if I am eligible for SCRA benefits. Please let me know if there is any additional information you may need. Thank you.

Wed, 02/18/2015 - 05:54 Permalink
Aaron Halstead (not verified)

Can you help with a question about something showing on my credit report

Thu, 02/19/2015 - 14:39 Permalink
Jose Carlos Vaca (not verified)

Please give me a call at 571-218-5089

Thank you

Fri, 02/20/2015 - 23:57 Permalink
Donna Reynolds (not verified)

Hi Carol, In December 2014, I applied for a credit card from Citibank, but I was denied. Now there is a HARD INQUIRY on both Equifax and TransUnion that I want removed because it is effecting my credit score. Please notify both of the above mentioned Credit Bureaus to remove these inquiries. I appreciate your help regarding this matter. Thank you.
Donna Reynolds

Sat, 02/21/2015 - 21:53 Permalink
Wilfredo Quinones (not verified)

Why CBNA is making inquaries to my credit report? If I never had busness with them!!!! Please can u help me mam? Im a 38 yo mil man. Antiterrorist inst.

Thu, 02/26/2015 - 10:58 Permalink
morgan cryderman (not verified)

what is sears/cbna it shows on my credit score but no chages how do i get it off

Thu, 02/26/2015 - 20:18 Permalink
darlenecarter5… (not verified)

I need to know how to fix the problem with THD/CBNA I do not have this card and I need to cancel it. I don't know who I owe and what it was for.
It started out$77.oo now it is $114

Tue, 03/03/2015 - 23:14 Permalink
Anthony Lewis (not verified)

The current posted phone number for CBNA is out of service would you have an alternate number

Thu, 03/05/2015 - 23:23 Permalink
rozanna kademian (not verified)

The customer phone number for credit bureau of north america llc is disconnected. can you provide me with a working phone number

Mon, 03/09/2015 - 21:59 Permalink
danielle lautz (not verified)

Just curious why cbna is on my credit report?

Tue, 03/10/2015 - 15:04 Permalink
George Holau (not verified)

Hi,

I noticed on my Credit Report through one of my banks. They are listed BBY/CBNA. I have not idea BBY is. Can you assist?

Thank you,
George Holau

Wed, 03/11/2015 - 17:49 Permalink
jeanette dion (not verified)

What is the Statue of limitation SOL on a credit card debt

Tue, 03/17/2015 - 13:20 Permalink
ZEE (not verified)

A REVOLVNG ACCOUNT UNDER THE ABOUT NAME SHOWED UP ON MY CREDIT REPORT. I DO NOT KNOW WHAT THIS IS FOR. HOW CAN I GET INFORMATION?

Sun, 03/22/2015 - 17:14 Permalink
Thuwun (not verified)

DCARD/CBNA appeared on my credit report, how should i solve?

Wed, 03/25/2015 - 17:17 Permalink
JOHN P. Mc ELHONE (not verified)

THIS AT&T UNIVERSAL CREDIT CARD IS PAID OFF AND HAS NOT BEEN USED 1990 I WOULD LIKE YOU TO HAVE THE CBNA REMOVED FROM ALL REPORTING AGENCIES EQUIFAX, TRANSUNION.

Fri, 04/03/2015 - 23:03 Permalink
Jagdish Pandya (not verified)

I have been recently alerted that a debt of $8.00 I owe to THD/CBNA. I have no recollection that I have ever dealt with this organization or its relevance. Could you please guide me or clarify this? I will appreciate it. THANKS.

Mon, 04/13/2015 - 18:09 Permalink
ALICE L. RODRIGUEZ (not verified)

CBNA IS ON MY CREDIT REPORT TWICE, UNDER EXPERIAN, WITH TWO DIFFERENT ACCOUNT NUMBERS. I HAVE NO IDEA WHO THEY ARE OR WHO THEY ARE TRYING TO COLLECT FOR. I JUST TRIED CALLING THE 1-615-446-7128 AND THE NUMBER IS NOT IN SERVICE. I TRIED CALLING THE FAX NUMBER 1 615-446-2111 AND THE NUMBER IS BUSY. I HAVE NO WAY OF CONTACTING THEM TO FIND OUT WHO THEY ARE TRYING TO COLLECT FOR. HOW DO I GET THEM OFF MY CREDIT REPORT?

Sun, 04/26/2015 - 22:17 Permalink
Kyn (not verified)

My credit report is showing a 91 dollar amount for I C Systems. What is this?

Tue, 04/28/2015 - 01:08 Permalink
Robert Miller (not verified)

I just check my Experian credit report. There is a listing for CBNA regarding a charge account. I have never gotten a letter from CBNA regarding owing anyone money. All of the credit cards/charge accounts that I have had are currently paid up to date as with any cards that I have had in the past. I have never been delinquent on any payments to credit cards, mortgage payments, utility bills, etc.

What steps do I need to have this removed from my credit report.

Thank you Robert Miller, Sr.

Tue, 04/28/2015 - 02:57 Permalink
Dina Valcin (not verified)

I have no idea what ZALE/CBNA means. Please explain. It's on my report.

Thu, 04/30/2015 - 17:37 Permalink
Gary A Edwards (not verified)

This was reported on my credit report as late paid. I do not know what account this refers to. It also states that this is an open account. I would like to know what account 603532037112 refers to. Thank you.

Thu, 04/30/2015 - 17:50 Permalink
Jose Alfaro (not verified)

Hello, I recently had my credit ran and I found out that CBNA has been reporting me late for 5 months in a row. MY checking account was being debited every month 52.00 until I called the bank and ask them what this was for and I was told that I is for a debt with CBNA.. what can I do?

Mon, 05/04/2015 - 23:30 Permalink
Patricia Higney (not verified)

I attempted to call the Credit Bureau of NA at the above number but find that it is disconnected. I am trying to get some information about a charge of $35.00 that apparently shows up on my credit report of which I know nothing about. Are you able to direct me somewhere to get to the bottom of this? Thank you for your help.

Wed, 05/06/2015 - 18:21 Permalink
Jack Schilla (not verified)

My wife Donna Schilla has a City Bank Credit Card. We discovered there was a credit inquiry from CNBA, not CBNA, this past January, and we are left wondering what CNBA stands for, and perhaps more importantly, why such an iquirery was launched, for we applied for no additional credit anywhere in January of 2015, nor is she in arrears on her City Bank Credit Card? Any advice Carol?

Fri, 05/08/2015 - 19:23 Permalink
henry ziesse (not verified)

I have this bad credit from cbna company I would like to know what is it about. Contact me at (775)342-8768. My name is Henry Ziesse. Account #6035320221717992. thanks you.

Tue, 05/12/2015 - 03:04 Permalink
Brenda F. Morris (not verified)

My credit union says that I am an authorized user on this bank account. I have no knowledge of this account . What do I need to do at this point.

Thu, 05/14/2015 - 15:27 Permalink
Rebecca Connell (not verified)

I lost an old wallet with old credit cards that I am trying to identify. I have an account with Experian and I have an open account that is listed:
CBNA; 603532038590XXXX; with a credit limit of $2501.; address is PO Box 6497; Sioux Falls, SD 57117. I would like to close this account, but I cannot find a phone number to call. Can you tell me what store this is for? My name is Rebecca W. Connell 236 County Road 3310; Troy, Al 36079. My email is: rebeccawconnell@gmail.com

Mon, 05/18/2015 - 16:29 Permalink
sarah malone (not verified)

need to now how much my payoff is

Tue, 05/19/2015 - 21:57 Permalink
Victor Azar (not verified)

I just got an alert that one of my accounts went from $0.00 - to $26.00 THG/CBNA

How do I find out what account this is as it also said that it was inactive for four months

Wed, 05/20/2015 - 17:56 Permalink
George H. Pappas (not verified)

I saw a name of CBNA on my credit report? Can you contact me and tell me what this is for? Thank You George Pappas 843-617-5234

Wed, 05/20/2015 - 18:39 Permalink
Kim-Chi Phan (not verified)

Dear Carol,

Last year, on November 13th, 2014, my purse was stolen. I reported to police. The thief used my identify to apply some credit cards. I just checked my credit report today and see that I have a credit account with Sear/CBNA with date opened is 2/23/15 and balance is $2,652. The account number is 50499414**** (the last 4 digits, I don't know. I rewrite this number in my credit report). Actually I didn't apply for this account and didn't buy anything with that. So what can I do now?

Fri, 05/22/2015 - 20:00 Permalink
Juan c Guerra yanez (not verified)

What happpen if I got discharge from charter7 bankruptcy and some creditor still reflecting some debts on my credit what can I do

Mon, 05/25/2015 - 12:38 Permalink
Vernita Coats (not verified)

Don't know who it is , have a judgement with not proff it is mine, was Citi Banks they have nothing , now with Asset Acceptence and nothing with citi bank and assest acceptence handled by an collection attorney Gordon and Wong LLC . 20,000.00 Lien not notice about going to court fromt them.

Thu, 05/28/2015 - 21:02 Permalink