AT&T has changed the information they are reporting to the credit bureaus on an account that has been closed and paid off since 1997. They changed the status from R-1 to R-9—the best rating to the worst. They changed the date of payoff from 10/97 to 10/99. We made a settlement on the account and they always reported that it was settled for less than the full amount, but to change the rating after nine years!!!
This has caused my other credit card companies to raise my interest rate on every other card I have. I have also been denied a home equity loan because my scores have dropped over 100 points.
AT&T will not speak with me or respond to mail. First American Credco says that what they have done is illegal and to get a lawyer, but I don't have enough money to hire one. My good credit rating was really all I had going for me. Now they have destroyed it and won't fix it or even talk to me.
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