11-24-2009, 07:51 AM
You can let it slide - it will eventually fall off the credit report - but until then it is a smudge.
My wife has had similar problems (but it included a court judgment involving the co-signed debt). She couldn't get a car loan in her name, even if I co-signed (though she could co-sign for me
). She got offers for secured credit cards. Then it fell off the credit report and she got platinum credit card offers.
We even ended up with a credit card from that same bank in both our names - I guess their old records are offline or something.
Still waiting for a bill collector to get it one day - but it has been over 20 years now.
I personally vote for the police report.
My wife has had similar problems (but it included a court judgment involving the co-signed debt). She couldn't get a car loan in her name, even if I co-signed (though she could co-sign for me
). She got offers for secured credit cards. Then it fell off the credit report and she got platinum credit card offers.We even ended up with a credit card from that same bank in both our names - I guess their old records are offline or something.
Still waiting for a bill collector to get it one day - but it has been over 20 years now.
I personally vote for the police report.