I had a Mervyns credit card in the late 1980's, which I paid off satisfactorily and closed the account in 1990. Bear in mind this was before I was married.in my husband filed bankruptcy. This account was NOT included in the BK, as it had been closed for well over 15 years. Well, GEMB/Mervyns has started reporting on my credit bureau out of the blue that they were included in the BK, and that the account was charged off due to the BK. I disputed this with all three credit bureaus, but GEMB/Mervyns responded that the information was correct. I contacted GEMB/Mervyns and they "acknowledged" that it should not be on my credit bureau report, that they made a mistake and they would fix it. They haven't.instead they are reporting monthly since 2005 a negative report. I've disputed this again with the credit bureaus. I will have to dig up paperwork and prove that a) this account was not included with the BK, and b) this account was closed in 1990 and send it to the 3 credit bureaus and Mervyns... But I'm furious that I should have to. For 15 years this account was paid off and closed - and they agreed. Now they want to resurface and claim to be part of a legal action so they can stay on my credit for 10 years??? Incompetence is too kind a word for these numbskulls. Anyone have any other comments/advice?
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