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

ddo465@aol.com (not verified)

a cbna acct shows up on my credit report with 5,000.00 limit but no balance. CBNA ph # has been disconnected!! What to do?

Thu, 09/07/2017 - 19:57 Permalink
Syed Hussain (not verified)

I am a cosigner for my son. He took loan for college. He was under the impression that he is supposed to pay after 6 of completion of education. He did receive statement after completion of BS and but he did not pay attention because he is still a full time student. He also neglect the letter because he took loan from Chase but the letter were coming from AES. I received a call from AES collection agency and paid dues in full. I am in the process of purchasing the house and it is affecting my credit score. I do not have enough time to dispute. My closing will be in 30 to 45 days. What can I do to improve the credit score?

Sat, 09/09/2017 - 19:26 Permalink
Kathlyn B. Houde (not verified)

I am Kathlyn B. Houde, noting you have two reported credit cards to LifeLock, Experience, TransUnionk, Equifax, xxxx4854 and xxxx5766 respectively. Last activity on 4854 TransUnion notes as Dec. 2012 yet indicates I opened this account in June of 2012, contradicting its prior statement. On account 5766 reports indicate this being opened in 12/2016, paid through 2/2017, but closed. Equifaxa nd Experian indicate it being opened & same last activity. Do not know anything about these accounts. There was a short term loan, but don't know if it correlates to either of these, but there's certainly nothing for either one I can ascertain. Help, please, as this seems to originate w/o proper identification sources.

Kathlyn Houde

Mon, 09/11/2017 - 16:42 Permalink
Norman Sylvester (not verified)

Your report shows an indebtedness to CBNA that I question. Could you explain? thank you.

Tue, 09/12/2017 - 13:20 Permalink
Donna Shivar (not verified)

Wondering why CBNA name was on my credit alert for 9/10/17

Mon, 09/18/2017 - 19:13 Permalink
Donna Shivar (not verified)

Wondering why CBNA name was on my credit alert for 9/10/17

Mon, 09/18/2017 - 19:18 Permalink
Guity Bar-Lev (not verified)

To Whom It May Concern:

I am applying to refinance my mortgage; for some reason the above
account appears which states that I owe $372.00 and my monthly payment is $25.00.
I do not recognize this account.
Will you kindly get back to me at your earliest please.
Thank you,
(Ms.) Guity Bar-Lev
1-929- 284 -3858

Tue, 09/19/2017 - 18:28 Permalink
Fran Kingery (not verified)

How do I close a CBNA account that nothing is owed on it, & is open & being updated all the time?

Fri, 09/22/2017 - 19:55 Permalink
michael harder (not verified)

don't what to do about this, what should i do

"Credit Karma
A new account under your name

new_account
Hi Michael,

It looks like a new CITICARDS CBNA account was added to your TransUnion credit report.*

A new account could definitely impact your credit score (like by lowering your average age of open accounts or increasing your total number of accounts).

Don’t recognize this account? You can file a dispute with the credit bureau."

Sat, 09/23/2017 - 21:32 Permalink
grobrien2@msn.com (not verified)

my credit report says I have an account and contact is pobox 6497, Sioux falls sd 57117 contact by mail only. what should I do? this doesn't seem to fit your information...help!

Sun, 09/24/2017 - 20:34 Permalink
charles whipple (not verified)

have a credit inquiry reported by equifax (my info involved in breach) from cbna on sept 25 2017 says tba stores did not make a request through there how can i do a followup on that

Tue, 09/26/2017 - 03:24 Permalink
Alemayehu (not verified)

Can u call me please at 2408773392 to fixed my credit

Fri, 09/29/2017 - 14:09 Permalink
Linda Lancz (not verified)

CBNA showed up on my credit report at Experian about a loan. i don't have one. What should I do??

Sat, 09/30/2017 - 14:28 Permalink
Nelson Rivera (not verified)

I have hard inquiries on my credit report on, 19th of October 2015 that I do not recognized that affecting my credit score. Since I do not recall this inquiries, I'm requesting you to please remove this on my record immediately. Your prompt attention to this matter is greatly appreciated. Should you have any questions in removing this inquiries that affecting my credit score. Please don't hesitate to reach me @ 808-321-3843 or via my email: nrivera576@gmail.com
Thank you very much,
Nelson Rivera

Sun, 10/01/2017 - 14:31 Permalink
Doris Wilson (not verified)

Please tell me who/what I owe on this card?

Fri, 10/06/2017 - 12:03 Permalink
Caseyalies (not verified)

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Sat, 10/07/2017 - 12:50 Permalink
Roger Couturier (not verified)

I don't think that the account number showing on my credit report is correct. starts with 512 and ends with 0623

Tue, 10/10/2017 - 14:53 Permalink
ronald bagwell (not verified)

Phone number 615-446-7128 is no longer valid.

Advise a contact number.

Wed, 10/11/2017 - 20:09 Permalink
glynn darby (not verified)

who is trying to collect a debt through CBNA/

Mon, 10/16/2017 - 13:35 Permalink
Jerry Davis (not verified)

Hi Carol, I found CBNA on my credit report with a date of 12/27/2015 through 12/27/2017. I have a citi bank credit, was that citi just checking my credit to qualify for the card or something else. Thank you for your help.

Mon, 10/16/2017 - 17:41 Permalink
charles bauerle (not verified)

My Experian credit report shows a CBNA credit card with beginning #'s 603532 . I have no knowledge of this card and dispute it even though there is a zero balance due.
At my request will you please it be remove it from my list of credit cards as soon as possible?

Mon, 10/16/2017 - 21:21 Permalink
Jcrusa50@gmail.com (not verified)

Why is this showing as an alert when the store did it to make sale not my idea. If it is on my credit report, in a negative way I will file legal action to store Best Buy is where I believe it is showing 597.00 payts are current and over the min.
Thank you

Wed, 10/18/2017 - 22:07 Permalink
Sheryl Stacy (not verified)

Hello Ms. Carol,
I read your information on the net; I was looking at my credit report recently and notice this CBNA on my report. I called the number and it is disconnected. Would you suggest that I contact the credit bureaus and request that this inaccurate information be deleted from my report? It also indicates that I have credit of $3500...I personally don't remember this information at all.
Thank you

Tue, 10/24/2017 - 19:10 Permalink
Helen Healey (not verified)

I have two bills i didn't know about because of storms here in Fla. one was Macy's of 90.00. and the other one was 88.00. paid them off. but still on report. now i wanted to get a loan from Lazydays here in Tampa Fla. I have always had great credit. So why is this happening? The strom here in St Petersburg Fla . How can you help me?

Thu, 10/26/2017 - 15:21 Permalink
Paige Coleman (not verified)

Hello, This Citi/ cbna shows up on my credit report as paid but seems to be some sort of revolving account that is still open. Should I contact Citi to close the account? Will that make it alright on the credit report since it was a debt and has been paid off? Thanks

Mon, 10/30/2017 - 14:33 Permalink
Ashok Chakrabarti (not verified)

I get alerts from Credit bureau mentioning " Citicards CBNA SD" with varying dollar amounts every month. What is it?

Mon, 10/30/2017 - 16:11 Permalink
Joyce E King (not verified)

I have recently ran a credit report for the purchase of real estate and this CBNA showed up on it for 291.00. They want me to pay it off and I do not know what this is. How can I pay it if I do not know where to pay or who to pay

Tue, 10/31/2017 - 22:31 Permalink
Don Loftin (not verified)

I am trying to settle a dispute but I can't get in contact with anyone can someone please help me please call me at 336-880-2704

Thu, 11/02/2017 - 20:16 Permalink
Shirley Sebesta (not verified)

Carol.....I need someone to call me please 713-303-9880 about youall showing up on my credit report Thanks

Thu, 11/02/2017 - 20:46 Permalink
Kirk (not verified)

I recently applied for a business loan and a judjment came up form CBNA from 2003. I have purchased homes and other things since then and have never seen this come up the number above is no longer in service. Who should I call?

Tue, 11/07/2017 - 16:06 Permalink
Lila E Rogers (not verified)

CBNA shows up on my credit report with an $8000 credit limit, opened early November 2017. I never opened a new account and all my bills are paid ahead.

What is this Cbna?

Tue, 11/07/2017 - 16:07 Permalink
April Concho (not verified)

Hello my name is April. I am asking why there is a inquiry about CBNA.? I have been the victim of identity theft/ fraud. So I I was wondering what CBNA is interested in?

Tue, 11/07/2017 - 16:58 Permalink
Nancy Sheppard (not verified)

Open acct # 512107XXXXXXXXXX shows up on my Experian credit report with monthly payment of $27. I have no knowledge of this. Please advise.

Wed, 11/08/2017 - 16:52 Permalink
KatherineErickson (not verified)

Am wondering if I can have the late dates for my CBNA Sears cards removed from my credit report?

Wed, 11/08/2017 - 20:28 Permalink
Jerry Punch (not verified)

I am one of the individuals whose credit information was accessed in the Equifax hack. I received an alert from Equifax indicating that CBNA had run a credit check on me. I am assuming the check was legitimate because I recently applied for a credit card from Home Depot for the purchase of a standby generator (even though I am likely to pay cash for the generator). Can you please confirm that this is the reason for the credit check. Thank you.

Thu, 11/09/2017 - 15:44 Permalink
Matt Parden (not verified)

I have a listing from CBNA on an account that is not mine I want to kow where it came from and get off my credit record

Thu, 11/09/2017 - 20:59 Permalink