I had an account in 1992 with Mervyns which I paid successfully and on time. I cancled my account in 1992, owing $0.00. Now all of a sudden Mervyns has put on my credit that I have had my account charged off for $0.00, and it is a derogitory smear on my credit report now. I disputed it with the credit reporting agencies, and it is still coming up the same. What is up with this. Are they deliberatly trying to hurt people who dropped them? I don't know how to clear this up either. Any suggestions?
Jody
Reno NV
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