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I have all of my debt paid off for awhile now but when going through my report there are some derogatory listings. One is a car loan that was sent to collections and I paid off in full and shows that for the agency but the original lender still has it as co with a balance not sure who to contact about this. There are a couple other ones that just one cra is reporting as with a balance and derogatory would I go through the cra or the lender to fix these? Any help is greatly appreciated and Thank you in advance this is a great site for all of us trying to dig out!
1. dispute with CRA
2. dispute with lender (623)
get back to us with more info
paid debts still showing balance
Hi bartlby,
Can you tell whether or not you have receipts of all your payments? If you have, you can use those to dispute these wrong listings with the credit bureaus.
Send dispute letters through certified mail, requesting a return receipt. Attach copies of proof of the payments along with the dispute letters. You will get a sample dispute letter with this community which you can use to write one of your own.
Thanks,
Aaron