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Disputing derogatory credit information
Alright, 6 years ago I changed jobs. I called my cable company to close the account. After the last phone call, I asked, specifically, "does that take care of everything?" "Yes."
9 months later I get a call from a collection company, my account has been sent to collections for $50 of unpaid bills.
So I contact the cable company, pay them the $50. Two weeks later I get a letter and a check saying that my account was overpaid, and here's the refund of $50.
So now I find myself in the market for a house. Credit report turns up that the collection agency still has the note in my file. I contact the three credit agencies to dispute it. One of them removes it less than a week later. Today I get the denial of removal from the second, but I still haven't heard back from the third.
Since the removal bumped my credit score with them by 40 points, we're talking a difference of hundreds of dollars per month if I can get it removed from the others, but clearly it's not going to be as easy as I hoped. What are my options here?
[skyknyt's writing] is like come kind of code that, when comprehended, unfolds into madness in the mind of the reader.
PSN: skyknyt, Steam: skyknyt, Blizz: skyknyt#1160