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How can we find out what company is reporting on his credit report?

Wednesday

My b/f just got his credit report and it says that he owes like 600 bucks to some company called CZ Trust. I can't find this company ANYWHERE, and the collection agency won't give us any information. It's dated back to 2007, we were together in 2007 and I know for a fact that this is not true. This is stopping us from getting a mortgage, so I need to find this company, any suggestions?

They Absolutely HAVE to give you the info so you could contact them if you wanted.

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  1. SlimMick
    June 3rd, 2009 at 16:09 | #1
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    Start by requesting validation directly with the credit bureaus:

    Per the Fair Credit Reporting Act you have the right to request written validation of negative entries on your credit files. Per this law they must validate the item(s) within 30 days or remove them from your credit file. Mail a letter via certified mail with return receipt to all three credit bureaus (Equifax, TransUnion & Experian). Include a photocopy of your driver's license and social security card…If you don't include these, they may write back requesting them, which would slow the process down by several weeks. For each negative item, write a separate letter and simply include the phrase:

    Per the Fair Credit Reporting Act, I am requesting written validation of this item.
    References :

  2. ∞infiniti∞
    June 3rd, 2009 at 16:33 | #2
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    Dispute the entry on the credit report as "not mine". The credit bureau has to contact the creditor. He has 30 days to respond. If the creditor made a mistake, or if he does not respond, the entry has to be removed.

    Good luck
    References :

  3. Irish Eyes
    June 3rd, 2009 at 17:16 | #3
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    At the end of credit report is a list of all your creditors and their contact information.

    Or, you could call the credit reporting agency directly and ask them for the contact information. They HAVE to give it to you.
    References :

  4. B
    June 3rd, 2009 at 17:44 | #4
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    They Absolutely HAVE to give you the info so you could contact them if you wanted.
    References :

  5. Dick C
    June 3rd, 2009 at 18:30 | #5
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    Probably you have some wrong items in your credit report. Use credit repair service to find and remove such bad stuff from your credit – creditreport.fateback.com
    References :

  6. peter b
    June 3rd, 2009 at 18:48 | #6
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    Probably you have some wrong items in your credit report. Use credit repair service to find and remove such bad stuff from your credit – creditreport.undonet.com
    References :

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