A collection agency is reporting that I opened a credit card in 2011. I was actually totally unable to get credit by 2011 because in graduate school I became unemployed and had some serious financial problems. I think this is a debt from 2004. Is there anything I can do about this?
Thanks in advance. I am trying now to work on my credit and reestablish financial stability.
Sounds like a relatively easy matter to take care of if this is truly just a misreported date.
Once they update and validate the debt, which should correct the reporting date then it will come off your credit report since it has been longer than 7.5 years since it was fire negatively reported.
Please post your responses and follow-up messages to me on this in the comments section below.