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    em10780101's Avatar
    em10780101 Posts: 2, Reputation: 1
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    #1

    Dec 1, 2009, 07:30 PM
    Dispute old debt
    Couple of weeks ago I checked my credit report and to my surprise there is a collection account on it for $600 which completely killed my credit score. I called the company and they state that this is a collection for a Lord and Taylor account from 1999. It has been 10 years and just now they show up on my credit? I don't even remember having a Lord and Taylor account. They told me I can contact Lord and Taylor if I want but they can't provide me with the contact information. I don't know what to do now. I was about to refinance my house and now my credit is messed up.
    Please give some advice.
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
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    #2

    Dec 1, 2009, 07:33 PM

    So you contact each of the credit reporting bureau and dispute this as a vaild debt
    em10780101's Avatar
    em10780101 Posts: 2, Reputation: 1
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    #3

    Dec 1, 2009, 07:54 PM

    I was told by a friend I can call the bureaus but then what? It is still sitting on my credit lowering my score and I still can't refinance with that sitting on my record.
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