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Brent,</div>
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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</div>
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<a href="https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/" id="LPlnkOWALinkPreview">https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/</a><br>
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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.</div>
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www.consumerfinance.gov</div>
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<div id="divRplyFwdMsg" dir="ltr"><font face="Calibri, sans-serif" style="font-size:11pt" color="#000000"><b>From:</b> wsbapt-bounces@lists.wsbarppt.com <wsbapt-bounces@lists.wsbarppt.com> on behalf of Brent Williams-Ruth <brent@williams-ruthlaw.com><br>
<b>Sent:</b> Monday, June 20, 2022 5:12 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv <WSBAPT@lists.wsbarppt.com><br>
<b>Subject:</b> [WSBAPT] Negative Credit Report</font>
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<div class="x_gmail_default" style="font-family:arial,sans-serif">Greetings List - </div>
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<div class="x_gmail_default" style="font-family:arial,sans-serif">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. </div>
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<div class="x_gmail_default" style="font-family:arial,sans-serif">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. </div>
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<div class="x_gmail_default" style="font-family:arial,sans-serif">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. </div>
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<div class="x_gmail_default" style="font-family:arial,sans-serif">Appreciate any thoughts. </div>
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<div class="x_gmail_default" style="font-family:arial,sans-serif">Brent</div>
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<p><b><span style="font-family:"Times New Roman",serif">Brent Williams-Ruth</span></b><span style="font-family:"Times New Roman",serif"> (pronouns: he/him)<br>
<i>Attorney-At-Law</i></span></p>
<p><b><span style="font-family:"Times New Roman",serif">Law Offices of Brent Williams-Ruth, </span></b><b><span style="font-family:"Times New Roman",serif"><font size="1">a division of BWR Consulting, PLLC</font></span></b><b><span style="font-family:"Times New Roman",serif"></span></b></p>
<p><b><span style="font-family:"Times New Roman",serif">Physical Address: 500 S 336th Street, Suite 214; Federal Way, WA 98003</span></b><span style="font-family:"Times New Roman",serif"></span></p>
<p><b><span style="font-family:"Times New Roman",serif"><font color="#ff0000">**EFFECTIVE IMMEDIATELY**</font> All mail sent through the USPS should be sent to the following address: </span></b><b><span style="font-family:"Times New Roman",serif">PO BOX 3319;
Federal Way, WA 98063 </span></b></p>
<p><span style="font-family:"Times New Roman",serif">Office/Scheduling Phone:<span style="color:#004080"> </span><font color="#ff0000">(253) 285-7751</font></span></p>
<p><span style="font-family:"Times New Roman",serif">Direct:<font color="#ff0000"> (253) 285-7453</font></span></p>
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<p><span style="font-family:"Times New Roman",serif"><a href="mailto:Brent@Williams-RuthLaw.com" target="_blank">e-mail</a> / <a href="http://www.williams-ruthlaw.com/" target="_blank">website</a> /</span><span style="font-size:9.5pt; font-family:"Times New Roman",serif"> </span><span style="font-family:"Times New Roman",serif"><a href="http://www.facebook.com/bwrlaw" target="_blank"><span style="font-size:9.5pt">facebook</span></a></span><span style="font-size:9.5pt; font-family:"Times New Roman",serif"> / </span><span style="font-size:12.0pt; font-family:"Times New Roman",serif"></span></p>
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