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

Norman Brooks (not verified)

My credit report states I opened an account on July 1,2015 and that the balance was updated on Sept. 30, 2016. The number is 5121 0721 1235. Can you please explain to me what this is? Thank you.

Wed, 10/26/2016 - 03:23 Permalink
Jewel Dore (not verified)

Dear Carol,

I was checking Creditwise and saw a Delinquent account from Citicards CBNA without an outstanding amount with a credit card number I dont recognize. What should I do?

Mon, 10/31/2016 - 01:44 Permalink
barabara (not verified)

My husband and I have been victim's of identity theft. We have pulled our credit report and was instructed to contact every business on it that requested our information recently. I need to find out if your company requested it because of a late bill from us or if someone was fishing for information. Could you help me with that?

Wed, 11/02/2016 - 16:46 Permalink
Nancy medina (not verified)

Hi, Just checking my Credit report whit a balance 2940 CBNA, I do not know the origin of y hay debt, could show me what it is??

Thu, 11/03/2016 - 12:10 Permalink
Nancy medina (not verified)

Hi, Just checking my Credit report whit a balance 2940 CBNA, I do not know the origin of y hay debt, could show me what it is??

Thu, 11/03/2016 - 12:11 Permalink
Jon Enright (not verified)

I am in need to pay off a bill with you and need a letter proving it. I'm in Arizona and need to do a rapid rescore to qualify for a house. What is the quickest way to do that..Jon

Thu, 11/03/2016 - 20:16 Permalink
Patrick or Rae… (not verified)

What is the acct number associated with either of the names above for the amount of $395.00.
Please respond to : Patrick_threesheets@yahoo.com

Thank you
Patrick McEntire
Rae L McEntire

Fri, 11/04/2016 - 21:53 Permalink
Bernard R Butt… (not verified)

I ran a credit report from Experian, it shows that I have an account that is open w/a $2,500.00 available amount that I don't know about. I would like to know what the account was for; where it was opened, & how I can close it.

Thank You in advance for your time & consideration in this matter.

Sun, 11/06/2016 - 14:09 Permalink
Benjamin Ross (not verified)

My credit report alerted a credit increase from CNBA. There is no account number associated with it. I am unfamiliar with this account. What should I do?

Thu, 11/10/2016 - 16:35 Permalink
Abel Gongora (not verified)

Hi, presently have this account blemish on my credit report! Does not sound familiar to me can you please advise. It is $42 charge

Fri, 11/11/2016 - 13:48 Permalink
Abel Gongora (not verified)

Hi, presently have this account blemish on my credit report! Does not sound familiar to me can you please advise. It is $42 charge

Fri, 11/11/2016 - 13:48 Permalink
Robert Cline (not verified)

My credit report shows I have late payments on a account that suppose of been paid in full.
Acct# 60115750331
My number is (517)294-3668
Could you please help me with this issue.

Mon, 11/14/2016 - 18:00 Permalink
Douglas DeVries (not verified)

Greetings,
I'm purchasing a home and have one credit memo against me. I believe it occurred as a result of moving from a rented room at a home in the city of Buena Park, California. I left there over two years ago and the Owner likely trashed all mail addressed to me. I say this as this is the only item in regards to unpaid charges, etc. and was unaware and still do not know what firm, utility, etc. I need to pay?

Tue, 11/15/2016 - 17:16 Permalink
Douglas DeVries (not verified)

Hi,
I'm buying a home and have only 1 item against my credit...$347.00.
I need to find out who and how I can settle this ASAP.

Thanks

Tue, 11/15/2016 - 17:33 Permalink
Douglas DeVries (not verified)

Hi,
I'm buying a home and have only 1 item against my credit...$347.00.
I need to find out who and how I can settle this ASAP.

Thanks

Tue, 11/15/2016 - 17:35 Permalink
Douglas DeVries (not verified)

Hi,
I'm buying a home and have only 1 item against my credit...$347.00.
I need to find out who and how I can settle this ASAP.

Thanks

Tue, 11/15/2016 - 17:35 Permalink
Nilgardo Fernandez (not verified)

I just want to ask because I saw in my credit that I have a certain outstanding balance with different amount which I don't know what are those charges. Would you please clarify to me.

Thank you.

Tue, 11/15/2016 - 19:46 Permalink
Nilgardo Fernandez (not verified)

I just want to ask because I saw in my credit that I have a certain outstanding balance with different amount which I don't know what are those charges. Would you please clarify to me.

Thank you.

Tue, 11/15/2016 - 19:48 Permalink
DEBRA BROWN (not verified)

My husband and I are appyling for a loan and I have CBNA on my history credit. I have no idea what it means. I have googled and now I know what it stands for but still dont know why its on my report Can you help me??? Debra Brown 432-352-7631

Wed, 11/16/2016 - 19:02 Permalink
David Lacey (not verified)

My information has been compromised and your company showed up in a credit alert from my security company??

Mon, 11/21/2016 - 18:49 Permalink
Ron Buckheit (not verified)

Your phone number above is no longer valid. Can you provide the correct phone number.

Wed, 11/23/2016 - 14:54 Permalink
Edwin Pence (not verified)

Why has CBNA shown up in my credit reports twice the past 6 months ??

Mon, 11/28/2016 - 16:20 Permalink
cynthia baines (not verified)

I am trying to purchase a home and I was told by my mortgage agent that this credit bureau is on my credit report, and I should make a statement why it is on my report. I cannot reach this company by the 615 telephone number; therefore, I was hoping you can send me an up-to-date telephone number on CBNS.

Tue, 11/29/2016 - 20:21 Permalink
cynthia baines (not verified)

I am trying to purchase a home and I was told by my mortgage agent that this credit bureau is on my credit report, and I should make a statement why it is on my report. I cannot reach this company by the 615 telephone number; therefore, I was hoping you can send me an up-to-date telephone number on CBNS.

Tue, 11/29/2016 - 20:21 Permalink
FRANCK B SALGUERO (not verified)

Hi, in my credit score history appears: CBNA $431. What does this mean ?

Wed, 11/30/2016 - 14:38 Permalink
Donald Sheafer (not verified)

It has come to my attention that someone has applied for a credit card through CBNA. I did not make this application. Please contact me at 865-6072870.

Fri, 12/09/2016 - 14:28 Permalink
Donald Sheafer (not verified)

It has come to my attention that someone has applied for a credit card through CBNA. I did not make this application. Please contact me at 865-6072870.

Fri, 12/09/2016 - 14:28 Permalink
Gerald Gilbert (not verified)

Can you please tell me why u have run my credit?

Sun, 12/11/2016 - 00:57 Permalink
Nohemy (not verified)

Hi Carol. In my credit report It shows that I have a credit card with CITI with a credit limit of $9,700.00 current debt balance $6,771.00 montly payment of $101.00. I don't have that credit card. I called CITI but they said nothing shows in their system. What can I do?

Mon, 12/12/2016 - 22:38 Permalink
Mary J. Meadows (not verified)

I have a new inquiry on my credit report from CBNA and I have no idea what this is about. I need your assistance in resolving this issue.
I have 0 late payments on my report and I have never had a report go to collections. Can you help me?

Wed, 12/14/2016 - 20:03 Permalink
yudelka jimenenez (not verified)

cant fin were to pay it please help mi report says it is from CBNA

Fri, 12/16/2016 - 22:09 Permalink
Catheryn Murray (not verified)

What is this?

Sun, 12/18/2016 - 01:02 Permalink
Gary Johnson (not verified)

Need to know why CBNA shows up on my Experian report from which they posted a decrease in my FICO score by 7 points. I had 822 on FICO as of Dec 15th 2016 and as of Dec 16th I now have 815. It shows that CBNA indicates that I have 0% Previous usage and 47% current usage. This is not only "NOT" accurate it has falsely reported an incorrect credit stat. I need to know why, and how I can get it corrected? I am very consicous of my credit standing and for whatever reason CBNA has now negitively impacted my excellent credit rating status and I respectivefully would like to know why??

Thank you

Gary Johnson
gljohnsoncio@att.net
661-296-5780

Mon, 12/19/2016 - 18:27 Permalink
Gary Johnson (not verified)

Need to know why CBNA shows up on my Experian report from which they posted a decrease in my FICO score by 7 points. I I had 822 on FICO as of Dec 15th 2016 and as of Dec 16th I now have 815. It shows that CBNA indicates that I have 0% previous usage and 47% current usage. This is not only "NOT" accurate it has falsely reported an incorrect credit stat and it has had a direct impact to me. I need to know why, and how I can get it corrected? I am very consicous of my credit standing and for whatever reason CBNA has now negatively impacted my excellent credit rating status and I respectfully would like to know why??

Thank you

Gary Johnson
gljohnsoncio@att.net
661-296-5780

Mon, 12/19/2016 - 18:33 Permalink
SAMUEL DAVID TIMPSON (not verified)

I WOULD LIKE TO KNOW WHY A RECENT INQUIRY FROM CBNA IS SHOWING UP ON MY CREDIT REPORT. THIS INQUIRY WAS DATED DECEMBER 14TH 2016.

Wed, 12/21/2016 - 01:43 Permalink
SAMUEL DAVID TIMPSON (not verified)

I WOULD LIKE TO KNOW WHY A RECENT INQUIRY FROM CBNA IS SHOWING UP ON MY CREDIT REPORT. THIS INQUIRY WAS DATED DECEMBER 14TH 2016.

Wed, 12/21/2016 - 01:44 Permalink
Ben Marberry (not verified)

My credit history shows that I have two accounts with CBNA. I would like you to validate the debt or tell me the steps to do so.

Wed, 12/21/2016 - 11:07 Permalink
Melissa Mudge (not verified)

I don't know anything about this card being on my credit report, as being a Hard Inquiry. Could you please remove it from my credit report.

Thu, 12/22/2016 - 17:27 Permalink
Mimly (not verified)

What is there the number to call in energency

Fri, 12/23/2016 - 00:31 Permalink
Nancy Knight (not verified)

I just received my credit report and on my loan application it showed a debt of $52.00. It showed up as a liability on my loan application. How do I find what this is?

Fri, 12/23/2016 - 17:30 Permalink
rob (not verified)

found something on my credit report with an acct.# how can I look to see what this is.

Thu, 12/29/2016 - 22:54 Permalink
Nancy Louise Tomlin (not verified)

My credit report shows that I have a credit card with CBNA. I have no idea who/what this is about. I would like to get this information removed from my credit report.

Thanks,
Nancy

Fri, 12/30/2016 - 02:16 Permalink
Betty J Wilson (not verified)

I ran a credit score check on myself. It shows CBNA, joint account, on one of my records. It has a $66 balance and a pymt of $25 due.
My husband and I divorced May 26, 2016. He was suppose to take my name off ANY joint credit cards we had. I always shredded any new credit cards with my name on it. I ONLY used one credit card.
Please reply.

Sun, 01/01/2017 - 12:17 Permalink