Can someone advise? Bad Credit Report
I am hoping to find some advice from someone, somewhere.
I went last week to check out my free credit report and found a "Potentially Negative Item or Item for Further Review" on my Experien report - that is the only one I checked
I had a Home Equity Line of Credit, and I opened a new one in like September because the other was running out.
The line of credit was for $50,000 because that was the minimum you could have it for, but I never drew a single penny - the minimum to draw would have been $10,000 and you would have not have had to begin paying until 5 years was up - then you would have to pay it within 15 years, I believe.
But I never drew a single penny. In June of 2012, I was okay, and in July of 2012 I was reported as 90 days late. How can I be late on zero dollars?
So I disputed it w/experien and also met with someone at the Credit Union, it was only after the meeting when I got her card that I discovered she was the "office' manager.I had requested to meet w/a manager after all.
She agreed though that I could not be 90 days late since I had never owed anything, and that they would fix it. The results of my dispute just came back, and I am told that my account will go to a positive status in April 2019, and there is no data for August - November 2012, but in December I am okay. I am still 90 days past due for July of 2012. on my zero dollars.
It also reports from Credit limit/high balance between December 2010 and July 2012 was $50,000.
Can I continue to dispute this - Experien only gave me like 120 characters to write my dispute, and this was not the result I could have ever dreamed of. Do I need a lawyer? Prior to this i have had perfect credit and when they did a score on my credit for the Home Equity Line in August my score was like 846.
I am feeling screwed in a major way.