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

Jolicoeur Jean louis (not verified)

Call me i see my name report by cbna I don't why give me a call call me please

Mon, 06/06/2016 - 21:27 Permalink
Joel Guron (not verified)

Hi. I just found out that I had a $5 Balance and I did not know this late fees and it affected my credit score tremendously. My question is what is this $5 delinquent status and how do I remove to my credit score? Thanks

Sat, 06/18/2016 - 05:41 Permalink
chris schuh (not verified)

I just found out i supposedly have a credit card open with you
Member number 3178962 opened 10/2015
I would like it closed please .
I dont have this credit card.
My cell is 801-671-9811
thank you
Please call me or email me to confirm cancellation
thank you

Sun, 06/19/2016 - 16:50 Permalink
olssonolga@aol.com (not verified)

send me a report of my debt, I have to pay something? I would like to know what I am paying? please refresh my debt

Sun, 06/19/2016 - 17:41 Permalink
Sunshine Taylor (not verified)

I would like to know why this is showing up on my credit report?

Wed, 06/22/2016 - 16:00 Permalink
klg (not verified)

cbna with an address of 50 northwest point road,elk grove village,il is showing up on my credit report and says it was updated in april 2016. I have no idea who or what this is. Do you know how I would get this removed from my credit report it says I have a 3000 limit with zero balance
Thank you in advance for your help

Wed, 06/22/2016 - 19:10 Permalink
dolores blumenfeld (not verified)

CBNA shows up on my Credentials Credit Report Monitoring Service
Report. Please tell me what this is about. I have no known debts
Dolores Blumenfeld
georgegb12@hotmail.com
818-999-4635

Mon, 06/27/2016 - 23:42 Permalink
allison schukraft (not verified)

hello. I see that I had an account w/ your company that is paid in full but that is still showing as open on my credit report. can you tell me how I get this closed out?

Wed, 06/29/2016 - 15:52 Permalink
tomsipple (not verified)

Their is a hard Inquiry on my report from your company. I did not authorized or apply for any credit
Would like for this inquiry to be removed from my reports.
Thank you.

Sat, 07/09/2016 - 02:46 Permalink
Michelle leyba (not verified)

I have something on my expedia Credit report from this company and have had fraudulent things done in my name I want to know how to fix it.
Thank you

Tue, 07/12/2016 - 22:50 Permalink
Cindy Bailey (not verified)

I was checking my credit report 7/13/2016 and found that you reported me being late in June and July. Please respond so that I may get this cleared up Don't even know what company this bill is referring.
Thanks Cindy Bailey
email: kenbailey007@Hotmail.com

Wed, 07/13/2016 - 22:56 Permalink
Tyler Harmon (not verified)

I have an amount of $10,724 showing up on my credit report
with CBNA attached to it, however, I don't owe this money.
I'm trying to refinance my home and this is holding it up.
How do I clear this up?

Thu, 07/14/2016 - 04:52 Permalink
Steven/Mary Filbert (not verified)

CBNA/BBY showed up on our credit reports? Source XP-B? Indicates a report was made on 6/19/16??

We have no idea what this is. Please explain.

Fri, 07/15/2016 - 20:59 Permalink
Mary Thompson (not verified)

I was notified that CBNA/BBY made a hard inquiry on my credit. What company is this with regard to and what cam I do about it?

Mon, 07/18/2016 - 01:15 Permalink
Malinda Beadle (not verified)

The number is disconnected and I want to know why your company requested a copy of my credit report on July 15 2016.
You may contact me at 615-445-5420

I expect to hear from you .

Thank You

Malinda Beadle

Tue, 07/19/2016 - 15:11 Permalink
Crispina Bueno (not verified)

Please send me email to explain to me the details of my $180.00 balance under an account with CBNS 50499414xxxx. I can not find any cards with this number. I saw this from a print out from Experian. Thank you. Crispina Bueno

Tue, 07/19/2016 - 22:03 Permalink
JoEllen Erickson (not verified)

I see that CBNA requested a copy of my credit and I don't know why. Could you answer this question?

Fri, 07/22/2016 - 14:04 Permalink
Manfred Brideau (not verified)

I have been advised that on July 03, 2016 your company requested a credit report from Experian credit for me.
Please advise me as to why this was done.
Thank you,
Manny Brideau

Sun, 07/24/2016 - 16:14 Permalink
john a (not verified)

received my credit report and notice a balance of $583 to cbna...
not sure what's this for, help please?

Thu, 07/28/2016 - 17:33 Permalink
Jim Cowles (not verified)

I'm told that the bank takes the middle or average credit score
Is this what the Transunion is? the average??

Thu, 07/28/2016 - 20:26 Permalink
Linda Hebert (not verified)

CBNA shows on my credit report as a revolving account. When I tried to call them to close the account the number I have is no longer available. What should I do?

Fri, 07/29/2016 - 14:46 Permalink
michael a hayes (not verified)

I have 2 accounts showing on my credit report from 08/01/2016 indicating 1 late over 30 6500 high and a balance of $93.00 updated 07/16. the second with high 11300 balance $31.00 and no history...please advise as to what these cards are..are they a Sears. #1 is 485FP552 #2 906BB5544 MH

Tue, 08/02/2016 - 13:00 Permalink
Richard E Vincent (not verified)

My credit report shows a $95 debt owed as CBNA and I have no idea what this is for. It is the ONLY negative account listing on my credit report in the past 7 years. It never showed as such until last month.
Please reply with explanation and proof of debt owed and to whom.
Thank you,
rv

Tue, 08/02/2016 - 16:11 Permalink
Susan J Hall (not verified)

I am trying to refinance my home and HuntintonBank says a credit pull on my credit report was from CBNA on 5/8/16. What was this for?

Tue, 08/02/2016 - 23:44 Permalink
Judith Hill (not verified)

I just pulled my credit report and there is an account for CBNA. It says I am current as of this month but I dont have an account with you..What is this?

Wed, 08/03/2016 - 15:21 Permalink
bevbrews96@gmail.com (not verified)

I had a hard inquiry on report 8/1/2016. Have excellent credit, altho, one went down 7 points because of it. How do I know if it's citibank or credit bureau of north america?

Wed, 08/03/2016 - 22:43 Permalink
Javier ruiz (not verified)

Hello. Ok on my credit report this account shows up. Opened on 02/16 with a balance of 124 dollars wich I know I don't owe help me.

Thu, 08/04/2016 - 01:52 Permalink
MichelleWildman (not verified)

They requested a copy of my credit report/ why would they need that?

Thu, 08/04/2016 - 20:47 Permalink
Mary Salaz (not verified)

This is showing up on my credit report? What is this for?

Thank you,

Mary Salaz aka Mary Warner

Fri, 08/05/2016 - 00:06 Permalink
Laura Smith Dixon (not verified)

I see this on my Protect MY ID Account. What is it for? Tried calling your phone listed above, is not a working phone.

Mon, 08/08/2016 - 18:23 Permalink
alvin gunderson (not verified)

on my credit report showes i owe some body how do i find out who it is

Mon, 08/08/2016 - 19:18 Permalink
Don Rodgers (not verified)

I didn't apply for a credit card. This is fraudulent. Please stop this.

Wed, 08/10/2016 - 14:17 Permalink
brenda ascher (not verified)

cbna did an hard inquiry on me and for now reason i can imagine except someone was doing fraud. what do i do to get this off.

Wed, 08/10/2016 - 17:26 Permalink
Shanna (not verified)

How can I dispute this inquiry on my credit reports.. It says CBNA oil company

Wed, 08/10/2016 - 19:21 Permalink
Ralph Madsen (not verified)

I'm 84 years old and someone has stolen my wallet and I can't find the paperwork I need to cancel the cards or make payments if I still have an outstanding balance. Please call me at 1-603-471-0000 Thank You

Wed, 08/10/2016 - 22:07 Permalink
Robert Arredondo (not verified)

Can you please run my name, to see if I owe any money for a past student fasfa grant? Please contact me at, (818)675-7900. I'm trying to repair my credit. I don't want to give private information on this page, only through the phone. I tried calling your office but it leaves a out of order recording.

Wed, 08/10/2016 - 23:10 Permalink
Ephrem mered (not verified)

I have a CBNA account in my credit .I have been trying to pay the bill but the phone number is disconnected.

Thu, 08/11/2016 - 21:50 Permalink
Susan Inclan (not verified)

I have applied for a mortgage and they told me that CBNA says that a problem on my credit just showed up about a week ago. They said it was regarding a $1200 personal loan I took out in 2000, it went delinquent in 2013 because of a $156 balance. I have no idea with which company this claim is from and I have never received any letters of delinquency. Please call me at (562) 716-1559 to clarify this question.

Fri, 08/12/2016 - 00:06 Permalink
Dulce (not verified)

How did we owe you $37 and $19?i don't know any debt like that...how can you remove that in my credit history?
Gener?pls.email me Gddulce@yahoo.com

Sat, 08/13/2016 - 04:21 Permalink
nancy galton (not verified)

how do you know what the limitation date is on the debt

Sat, 08/13/2016 - 19:52 Permalink