Posted by Christine Baker on December 10, 1997 at 18:30:50:
In Reply to: Need help on how to do a credit dispute and advise posted by Natalie Ledara on November 06, 1997 at 11:26:17:
In my experience you'll be successful in disputing these accounts only if you can provide evidence to support your claim that you cancelled the cards.
If you have letters or phone logs with names and extensions of employees you spoke with, you have a pretty good chance in Court. If it's your word against the creditors', well, you can always try ....
Next time, cancel the accounts via certified mail OR cancel via phone but keep the creditors' written acknowledgements for at least several years.
Good luck,
Christine
: Hi, I need some help on what to do to dispute on my credit. Several years ago my boyfriend and I had a joint account on a credit card. When we broke up, I cancelled the account but somehow he was able to keep on charging on it. He has stop making payment on it and now the credit company is harassing me into paying it. I will not pay for it. Is that a good decision. I don't really want a bad rating but this frustrate me so, cause I cancelled it and now they are making me pay on something that I didn't not charge. Is there any way I can dispute with the credit company saying I shouldn't be the one paying for the debt. If anyone else have any other suggestion I would be very appreciated. Please Help!