What in the hell can one do?
I am so fustrated, a (&&^%$$# account keeps on popping up on my credit report. This debt is for almost 5k, of course it is not mine. I have disputed and for some unexplained reason, one of the credit agencies have removed it from my account but the other 2 have not. How in the hell can that happen, I do not know. It was determined by one that it did not belong to me but the others say yes. I am I crazy or what? I was given some aadvised by a credit monitoring company to just keep it (should come out in 2009), there is nothing I can do and it is too much money to pay up. And even if I did, if paid in full the 7 yrs on the credit report will start the day I pay it. That is insane, I work to hard to try to keep my credit record in check, maybe not a perfect 850, but good enough to get a descent interest rate. Now, because of this (*$*$ account my score on the 2 different credit agencies is very low. Then the lady told me that, there is a lot of identity theft going around and it usually takes about 6 yrs to clear. Do I have any other options, hell no!!! only wait 3 $)%$%* years. I really do not wish this on my worst enemy. It sucks, I just needed to bent, you are such caring readers.