Anyone happen to know anything about credit reports? etc.
So I just got my 2nd credit report from Transunion. The first one I got 6 months ago had a BIG error on it. It was relating to my Best Buy account. I had paid it in full, and they somehow messed up my payments and wrote it as a collection charge-off. I called them, got that "corrected" they sent me a letter stating the account was in fact paid in full, and they had told me over the phone they'd correct it on my credit report. Well, they didn't.
The collection charge-off is still on my record, and they've now put my account with them as "derogatory" Status: debt collection/skip, payments: bad. They also failed to put it's paid in full, instead they have it written my payments are $0/month. ???
The rest of my report is fine. I have Two Rogers accounts, 1 which was closed recently (cable), good payment status. 1 still open (my cell), OSAP, Two credit cards, all in good standing.
The mistake Best Buy made has caused my credit score to go down to 548. :| that's disgusting. The credit bureau also has my age wrong by two years, my address and previous addresses wrong, and my last name wrong. Awesome.
How do I get this huge mistake with Best Buy fixed? & if it doesn't get fixed, how long before my credit improves? I'm not so worried now as i'm still in school, but i'll be graduating next December and i'd like to think i'll be able to lease or finance a new car, get a place for myself, etc.