[WSBAPT] Negative Credit Report

[Ann Marshall]

Brent,

This may help—some info about disputing credit report items. It's important to dispute with the credit bureaus directly not just the disputing with the creditor/furnisher. And a dispute directly with the bureau is required before filing suit under the Fair Credit Reporting Act, should that become necessary. There are independent obligations for both the bureaus and furnishers. I believe most of the bureaus have online portals to dispute. Hopefully it gets resolved but I know some attorneys whose practices are considerably, if not entirely, FCRA oriented—feel free to contact me directly if needed. Good luck! Ann

https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/
[https://files.consumerfinance.gov/f/images/ask-cfpb-social-credit-reports-and-scores.original.png]<https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/>
How do I dispute an error on my credit report?<https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/>
If you would like to submit a dispute regarding the information a company provided to the credit reporting company (called a furnisher), use our instructions, along with a template letter as a guide. Examples of information furnishers are your bank, your apartment landlord, or your credit card company.
www.consumerfinance.gov







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Ann T. Marshall, Esq.
Mediator/Arbitrator



JAMS - Local Solutions. Global Reach.TM

1420 Fifth Ave. | #1650 | Seattle, WA  98101

Cell/Text: 206.619.8043

E-mail: amarshall at jamsadr.com

www.jamsadr.com<https://www.jamsadr.com/marshall/>

________________________________
From: wsbapt-bounces at lists.wsbarppt.com <wsbapt-bounces at lists.wsbarppt.com> on behalf of Brent Williams-Ruth <brent at williams-ruthlaw.com>
Sent: Monday, June 20, 2022 5:12 PM
To: WSBA Probate & Trust Listserv <WSBAPT at lists.wsbarppt.com>
Subject: [WSBAPT] Negative Credit Report

Greetings List -

I have an Executor (Surviving Spouse) who had an authorized user card with her (now Deceased) husband.  This is NOT her line of credit. The credit card company has reported a delinquent payment hit to HER credit report.

We have published the notice to creditors and they are on the list of companies to get direct notice after 3 months - but she is not happy to see the negative report on her credit line.

Advice? Again, I verified that she is not a co-owner or joint account, but limited to a card issued to her under his line of credit. She did not charge on the card and has not used it since the date of death.

Appreciate any thoughts.

Brent

Brent Williams-Ruth (pronouns: he/him)
Attorney-At-Law

Law Offices of Brent Williams-Ruth, a division of BWR Consulting, PLLC

Physical Address: 500 S 336th Street, Suite 214; Federal Way, WA 98003

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