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

Cathy Anest (not verified)

I recently received a credit report and on August 31, 2016, it indicated that was an inquiry from CBNA. Can you please tell me what this was for? Thank you.

Sun, 01/01/2017 - 21:20 Permalink
Cathy Anest (not verified)

I recently received a credit report and on August 31, 2016, it indicated that was an inquiry from CBNA. Can you please tell me what this was for? Please reply to clhidey@gmail.com. Thank you.

Sun, 01/01/2017 - 21:21 Permalink
Melinda (not verified)

Hello,

I would like to know why this is an hard inquiry on my credit report?

Mon, 01/02/2017 - 15:26 Permalink
Gail Miller (not verified)

I recently did a refi. on my home. One of my outstanding debts was CBNA. I have a check in the amount of 92.00, but I don't know who to send it too.

Tue, 01/03/2017 - 19:25 Permalink
Gail MIller (not verified)

I recently di a refi. on my house, and and a 92.00 charged showed up on my credit report. I sent the check in the mail, and it got returned to me. Who do I send this check to.

Tue, 01/03/2017 - 19:35 Permalink
Larry K Wagoner (not verified)

why is this on my credit report? I have never done business with citibank o rbeen sent to a collection agency.

Wed, 01/04/2017 - 02:38 Permalink
Robert Ted Sprott (not verified)

My identity has been stolen. I have taken all the steps to freeze my credit. My report shows an account was opened 12/16/16. I will also contact Citibank. Please note that this account is not me and is fraudulent.

Sat, 01/07/2017 - 00:12 Permalink
Stephen Kreiss (not verified)

I have potentially harmful information appearing on my Experian credit report. It is:

Business Name: CBNA
Account Status: 30 Days Past Due
Status Date: 10/15/2016
Balance Amount: $127
Balance Date:

I tried calling the contact number given ( (615) 446-7128 ) to see how to pay it off but received a recording stating that the number has been disconnected. Could you please inform me on how to pay this debt off.

Thank you,
Steve

Mon, 01/09/2017 - 14:19 Permalink
Patricia Dew (not verified)

I check my credit score often. There is now a hard inquiry from Cbna. Since I have not asked for new credit in the past two years, I'm curious about this inquiry.
Thank you for your expected attention to this matter
Patricia G Dew

Mon, 01/09/2017 - 19:22 Permalink
Patricia Dew (not verified)

I check my credit score often. There is now a hard inquiry from Cbna. Since I have not asked for new credit in the past two years, I'm curious about this inquiry.
Thank you for your expected attention to this matter
Patricia G Dew

Mon, 01/09/2017 - 19:22 Permalink
Kirk schubert (not verified)

I have a CBNA showing on my credit report and do not know what it is for. Can you help?

Thu, 01/12/2017 - 21:50 Permalink
Keith Weinstein (not verified)

Carol, I would like to cancel these accounts due to fraud in my name.

Fri, 01/13/2017 - 18:23 Permalink
Wilbur T Carter (not verified)

Please send the name of the organization of which i owe money too. My contact information Wilbur T Carter 312 Buford rd El Paso Tx 79927
915-373-2485

Sun, 01/15/2017 - 19:06 Permalink
Cbna account 4… (not verified)

What is this account that I owe

Tue, 01/17/2017 - 00:18 Permalink
Monique beenjamin (not verified)

I see on my credit report tht someone tried to get a children place card in my name so i would like for someone to depute it because i never apply for one...please have someone check into this for me ... Anf please call my number at 5187293036

Tue, 01/17/2017 - 18:55 Permalink
ANTAVIA@EMBARQ… (not verified)

WAS LOOKING AT MY CREDIT REPORT. SEEN CBNA. WAS WONDERING WAS THIS SOME ACCOUNT I OPENED WITH SOME STORE/ WHAT IS THIS? TWO ACCOUNTS BEGINNING IN 601154XXXXXXX OPENED IN 12/01/2011 AND 504994XXXXXXX OPENED IN 04/01/2005. WHAT STORES ARE THESE? TIMOTHY FRANCIS....223968703.....JACKSONVILLE, NC 28546

Tue, 01/17/2017 - 19:07 Permalink
Victor Mayper (not verified)

I just found out from an Experian report that I am listed as having a "CBNA" account. Once, I did have a Citibank account, but I thought I cancelled it long agon. What's going on here?

Wed, 01/18/2017 - 01:13 Permalink
CHARLES RYE (not verified)

I SEE A HARD INQUIRY ON MY CREDIT REPORT. SOMEONE HAS BEEN OPEING ACCTS IN MY NAME. IT SAY GRAY TN

Thu, 01/19/2017 - 19:48 Permalink
SHARON S ADAMS (not verified)

PLEASE LET ME KNOW WHO TO CONTACT CONCERNING A CBNA ACCOUNT ON MY CREDIT THAT I AM UNAWARE OF. 937-459-8218.

Wed, 01/25/2017 - 18:35 Permalink
Ronald Webb (not verified)

How do I check to see if a SOL on a debt I have been unaware of has expired?

Fri, 01/27/2017 - 17:15 Permalink
Garrett C Hatch (not verified)

I was notified today by both Credit Karma and Capital One that someone has applied for credit utilizing my name.

Please be advised that I have not applied for any credit from any company within the past 6 months.

Please investigate this matter as a potential fraudulent activity.

Sincerely
Garrett C Hatch

Fri, 01/27/2017 - 22:39 Permalink
Anna Tetzlaff Vice (not verified)

Carol,

On 08/29/2016 and 08/30/2016 CBNA inquired about my credit. However, I have no outstanding debt. I would like to know why they were inquiring into my credit, and why they did so twice.

Sat, 01/28/2017 - 19:48 Permalink
Diana Ou-yang (not verified)

How do I obtain a statement of balance on an account?

Mon, 01/30/2017 - 23:04 Permalink
Patrick (not verified)

I just did a credit check and I saw I have 8k of debt from Citicards cbna. I have no idea what this is from. please advise

Thu, 02/02/2017 - 17:20 Permalink
SHIRLEY WILSON (not verified)

WHY ARE YOU DOING AN INQUREY INTO MY CREDIT.I DO NOT HAVE A CREDIT CARD OR NEVER APPLYED FOR A CREDIT CARD

Mon, 02/06/2017 - 21:05 Permalink
Rob (not verified)

How to contact CBNA? 615-446-7128 is disconnected

Wed, 02/15/2017 - 17:27 Permalink
Lisa Ann Call (not verified)

I recently pulled my credit report and noticed a account in which I am not familiar with. Please contact me asap ! 509 823-0614 thank you

Mon, 02/27/2017 - 22:06 Permalink
Katie Chance (not verified)

Your telephone number referenced on the website has been disconnected. Is there another number I should be using.

I have a paid debt listed as "open" on my credit report. This was a disputed account that was resolved and paid off 2/8/17. The collection agency said I would be receiving a letter within 10 days to send to the credit bureau but I never received it. I would like this removed from my credit report. Thank you.

Thu, 03/02/2017 - 18:56 Permalink
Timea (not verified)

I have on my credit report CBNA and not sure what is about. I dont have any dept at all

Fri, 03/03/2017 - 02:20 Permalink
Susan High (not verified)

I need someone to call me back at 682-234-2278. Thank you.

Tue, 03/07/2017 - 14:13 Permalink
Elvia Llanas-Lopez (not verified)

I am wanting to repair my credit and see CBNA under my name for 2 separate accounts. How can I inquire the amount owed and original lenders?

Tue, 03/07/2017 - 18:46 Permalink
Mary Freeland (not verified)

I am buying a house and it shows I owe you 1,019. I have never been turned over for non payment. Please let me know what this is for. Thank you in advance.

Fri, 03/10/2017 - 00:24 Permalink
Sherry Heath (not verified)

This account showed up on my credit report and I am not aware of this account.

Fri, 03/10/2017 - 17:17 Permalink
Patricia Lake (not verified)

Good evening Carol..i just fround this cbna debts on my credit report and i habe no idea where are they from..is there anyways you could help me to find out ..i dnt recall still having a debt collection for this amounts..thank you..my cel 240 8485213.

Sat, 03/11/2017 - 02:25 Permalink
Aimee gonzalez (not verified)

Need more información I dont know?

Mon, 03/13/2017 - 06:04 Permalink
Trevor (not verified)

Hello, I've received a notification about a hard inquiry from your company but I never applied for any type of loan through your company

Mon, 03/13/2017 - 17:36 Permalink
Trevor (not verified)

Hello, I've received a notification about a hard inquiry from your company but I never applied for any type of loan through your company

Mon, 03/13/2017 - 17:36 Permalink