Re: Want to check credit score, Whats the cheepest way to get your score?
Maybe your insurance co will have the records... or you once you contest the charges, they might realize the mistake.
If you cannot clear it up, think twice before paying them to get rid of the charge. Paying it now will renew it, so the negative info will stay on your credit report for another 7 years. If you just let it go, it will be off your report in a few years.
When you do apply for a mortgage, you can include a letter explaining that you are aware of that negative charge, but that it is incorrect and you are in the process of contesting it. You might point out that the other 2 agencies show that account paid in full. But do be upfront about it, it shows you are informed and working to correct it.
That's great that there was only the one mistake. You are way ahead of the game!
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