Sears Card Credit Bureau Reports

Sears Card Credit Bureau Reports

Fifteen years ago I applied for and received a Sears card. It was nothing but trouble from the time I got it. There were always charges on the account that did not come from me. I called the customer support line many times only to be told they could not help me, that if I didn't know where the charges were coming from, then neither did they. I became so frustrated with the account, that I just stopped doing anything with it. I cut up the card, and refused to pay one more cent until they could prove I actually owed the money. As you can imagine, the amount ran up to twice my original limit. It took twelve years for Sears to finally send it to collections, and I was contacted by the collections agency.

I paid this amount off in 2002 to the collection agency via phone. I have the documents to prove it was paid. In January 2005, I was trying to purchase a home with my new husband. I was notified that Sears still shows up on my credit report as I owe them $500. I produced my documents, which show I do not owe them anything. The mortgage company advised us to remove me from the application. Even though I could prove I didn't owe the money, unless the report is corrected, it doesn't matter. This is now July 2005, and I just attempted to get a credit card and was denied because it states there is an account with a long and large overdue balance...SEARS! I cannot seem to get this lifted from the report. Sears does not seem to have anyone who can help with this. I would appreciate any help you could provide.

Melissa Click this link to e-mail the message author: Email User