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

Linda Anthony (not verified)

I see that CBNA is listed on my credit report. I don't have never had any dealings with your company.

Fri, 06/09/2017 - 18:42 Permalink
Rolbert Fischre (not verified)

I do not have or owe ANYONE $3170.00 . I want to know who the creditor is and how it was placed on my credit report. I want it removed and Experian notified of the error.

Sat, 06/10/2017 - 12:07 Permalink
Jltcro12 (not verified)

I have this debt showing up on my credit score. It was canceled by a bankruptcy. Can I have it show as paid off. None of the other cards that were listed on the bankruptcy show up as delinquent only this one. What can I do to fix this ?

Fri, 06/16/2017 - 21:42 Permalink
Lena McMahan (not verified)

An inquiry into my credit score was made by CBNA on 6-14-17. I do not recognize this activity.

Tue, 06/20/2017 - 21:56 Permalink
Mike Mikeska (not verified)

I've had a Home Depot CC since last year, they just uped my credit limit from 500. 00 to 1000.00 and now a hard inquiry has appeared on my credit report which made my score go down 8 point's. What can I do about getting this inquiry off ?????

Wed, 06/21/2017 - 22:11 Permalink
David Speros (not verified)

Hi Carol, my wife and I have two items on our credit that we do not know what either of them are for.
CBNA $2,978.00 and
ELAN $1,972.00

can you please help ?

sincerely, david speros

Wed, 06/21/2017 - 22:31 Permalink
Max G Davis (not verified)

I am showing $537 listed under CBNA, on my credit report. That file was paid off and should be removed. How do I go about removing the listing?

Max Davis
214-404-6892

Thu, 06/22/2017 - 22:26 Permalink
Barbara Schoonmaker (not verified)

The only thing the report shows is the account number and Amount owed. I need to know what the creditor is as I have paid off or closed axnumber of accounts and this may be one of them.

Fri, 06/23/2017 - 13:31 Permalink
Jim H H Lee (not verified)

Experience alerted me something about a loan. I have not applied for any loan. My user name with Experian is jimhhlee. Can you tell me what is about ? I have freezes my credits for years but recently unfreezed it and I am afraid that someone trying to use my name to apply for a loan?

Wed, 06/28/2017 - 13:57 Permalink
Lubia Melendez (not verified)

CBNA appears on my credit report and I am not sure why

Mon, 07/03/2017 - 23:33 Permalink
Gerardo Jaime (not verified)

My credit report shows you hard inquire without my authorization . i don't think I have any business related with you . pleaSE STOP !!! hurting my credit . thank you

Wed, 07/05/2017 - 14:33 Permalink
Linda Laubscher (not verified)

Cbna had a hard copy on my credit report. It has been there since Dec 2016 and will remain till 2019. Why? Thanks Linda

Fri, 07/07/2017 - 00:39 Permalink
Joshua Coffin (not verified)

Yes are you someone that might be able to assist me with this neigitive inquiry that I certainly didn't ever authorize on my report?

Sat, 07/08/2017 - 11:19 Permalink
Gretchen B Pettis (not verified)

what is this account
i have no knowledge of it and it needs to be closed and removed

Mon, 07/10/2017 - 21:11 Permalink
Gretchen B Pettis (not verified)

what is this account
i have no knowledge of it and it needs to be closed and removed

Mon, 07/10/2017 - 21:17 Permalink
Laura Ferrer (not verified)

Hello,
A revolving retail loan has been opened, and appears on my credit report. Account number is:
603532
I didn't open this retail loan account with credit limit of $500.
Could you please explain what this account is. I will need to dispute this account, as I didn't open it. It may be identity fraud.

Sincerely,
Laura Ferrer
lferrer2009@gmail.com

Mon, 07/10/2017 - 22:35 Permalink
Deborah Risick (not verified)

I applied for a mortgage and the lender stated that I owe $250 to CBNA. I have no idea what this is for Could you please advise me on this debt

Tue, 07/11/2017 - 02:04 Permalink
Karen J Hull (not verified)

I would like to clear anything I may owe. I do not know who is due money from me, or what the amount is, or where to send the payment.

Can you help me clear this up? Thanks so much.

Tue, 07/11/2017 - 22:43 Permalink
Virginia D. Radtke (not verified)

Nothing owed but can't get them off credit report and I never borrowed thru them

Sat, 07/15/2017 - 21:45 Permalink
Linda Clark (not verified)

I was looking at my Experian credit report and I realized I have an open account with them. I want to close this account and notify Experian when this has been done.

Mon, 07/24/2017 - 22:19 Permalink
Jessica Fountain (not verified)

I have called several numbers that are 'Credit Bureau of North America' all of which are disconnected. I need to get into contact with someone as soon as possible to get this charge off removed from my credit report. Please call me asap work: 770-220-7215 or cell: 404-242-0208.

Thank you,

Jessica

Tue, 07/25/2017 - 14:28 Permalink
James BIENEMANN (not verified)

SHOWS OPEN ON MY ACCOUNT. DO NOT KNOW WHO THEY ARE. HAVE NEVER HAD AN ACCOUNT WITH THEM. NEED HELP TO TAKE IT OFF MY CREDIT REPORT.
THANK YOU.

Tue, 07/25/2017 - 14:54 Permalink
Robert Dinkelacker (not verified)

I do not have back bills I paid them all before I moved from PA to FL. Also why is TransUnion doing a hard inquiry on my report with out permission? If you look under the TransUnion side they did a hard inquiry on July 21 I did not authorize this, and will get a lawyer involved, I called the Company Transunion said they didn't, but in the same words said they can whenever they want! This is fraud. When you call the # they want you to sign up for all three agencies, is this a scheme by C.K.?

Tue, 07/25/2017 - 15:04 Permalink
shannon (not verified)

I have an outstanding bill I would like to pay. How do I go about doing that?

Tue, 07/25/2017 - 20:55 Permalink
Jarvis E Flowers (not verified)

I see a credit card from Citicards Cbna on my credit score that has been open since June 2016. It says the bill has been paid off every month, but I do not have any knowledge of this account. Can you provide me with more information about it? Like who opened this account? Maybe some of the recent transactions? Thanks

Thu, 07/27/2017 - 04:22 Permalink
Dennis Bumgarner (not verified)

I received notice that CBNA has requested a copy of my credit report. I would like to know why this request was made.

Thu, 07/27/2017 - 17:09 Permalink
Marie Dickson (not verified)

CBNA shows up on my credit report with no balance and $8,000.00 credit limit. How can I et this removed, I have no idea what it is.

Thanks,

Sat, 07/29/2017 - 15:06 Permalink
Wanda Rodriguez (not verified)

I pulled my credit report and notice that CNBA is in my credit report since June 1st of 2000. I don't have a credit account with CNBA with credit limit of $3400.00 with a zero balance. Can this be taken out of my credit report?

Sat, 07/29/2017 - 21:03 Permalink
David C Everson (not verified)

I see a hard inquiry on my credit report by Cbna from Sep 28, 2016. Would you please advise why this is present as it was not authorize
.

Mon, 07/31/2017 - 12:59 Permalink
Michael Ortiz (not verified)

I would like to know why is this on my credit and from where is this.

The account is 7001-0621-4249-2150

Fri, 08/04/2017 - 19:59 Permalink
Jerry Aleman (not verified)

I don't know if I am paying this company $25.00 a month or another. 3178962

Sun, 08/06/2017 - 16:10 Permalink
Jan Martin (not verified)

My credit was checked by my bank recently in anticipation of getting a line of credit. My banker says that there was an about $2000 debt that was paid off late to CNBA. I am thinking this is an error. I do not remember ever having a collection agency involved in any of my financial dealings. I tried to call 615-446-7128 but a recording says that number is disconnected. My number is 843-260-8157.

Tue, 08/08/2017 - 17:07 Permalink
Melissa R stuve (not verified)

I have a hard inquiry on my report from April that wasn't me what do I do

Tue, 08/08/2017 - 18:46 Permalink
Melissa R stuve (not verified)

I have a hard inquiry on my report from April that wasn't me what do I do

Tue, 08/08/2017 - 18:46 Permalink
Jessica Nesmit… (not verified)

I had my credit pulled today and I have a $200 amount that y'all are reporting but I'm not getting any letters and have no clue what this is for ! Could you please contact me !

Fri, 08/11/2017 - 18:03 Permalink
alexander kubik (not verified)

I was told a credit inquiry was made to my name. no monetary transaction took place. I was asked why this inquiry was made.
Kubikalex1@aol.com

Wed, 08/16/2017 - 15:54 Permalink
Wilma hill shr… (not verified)

To whom it may concern; this name suddenly appeared on my credit history, with Trans union and experian. I do not appreciate this as I do not have a sears credit card. So this should be taken off my credit asap, if not sooner.

Fri, 08/18/2017 - 21:44 Permalink
Wilma hill shr… (not verified)

To whom it may concern; this name suddenly appeared on my credit history, with Trans union and experian. I do not appreciate this as I do not have a sears credit card. So this should be taken off my credit asap, if not sooner.

Fri, 08/18/2017 - 21:45 Permalink
Phillip Gressett (not verified)

What is this. If it is for home depot . they are out of there minds. I never had a business card for them and my credit is to bad to get a 2000.00 dollar limit on any credit card. I would like to know what I bought or purchased because everything I own added together would not amount up to 2000.00 dollars.

Sun, 08/20/2017 - 18:15 Permalink
patricia l steals (not verified)

I know not of any bills to you I would like to know who you are and what the debt was

Mon, 08/21/2017 - 22:12 Permalink
Richard Stephe… (not verified)

Hi
I found out that there was a charge back of $401 on an account # 6035320245537053 and I need to know what this account was and how to get this off of my credit report. Thank you

Tue, 08/22/2017 - 15:40 Permalink
THOMAS SLACK (not verified)

OFDEP/CBNA THIS SHOWED UP MULTIPLE TIMES WHEN I HAD MY CREDIT REPORT RAN - I FOUND THAT SOMEONE HAS STOLE MY IDENTY AND HAS OPENED NUMEROUS ACCTS AND WANT TO SEE IF THIS IS ANOTHER ONE WE NEED TO CONTACT AND CHECK OUT. THANK YOU

Fri, 08/25/2017 - 04:14 Permalink