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Delbert just posted a 30 day late on my credit report

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I subscribe to 2 credit monitoring companies, and from my previous post about 6 weeks ago, had followed the steps here advising delbert and the other PDLs to validate the accounts.

Yesterday, out the blue, I get an email stating I have a derogatory credit alert, and Delbert Services has reported on my credit (for the first time) that I am 30 days late, which dropped my score 14 points.

I am so angry right now - I need to know what to do at this point.

Which bureau was it? I've been keeping an eye on all 3 of my reports via backdoor pulling and haven't seen anything yet, although I've been waiting for seems to be the inevitable of them reporting.

Sub: #1 posted on Thu, 12/19/2013 - 20:32

JujuNola JujuNola

(Posts: 102 | Credits: 17.38)

Which CRA was it? What state are you in? Had they been reporting the account prior to the negative reporting? I have posted an example of a letter to send to the CRAs to dispute the account on the boards. Also the CFPB just sued both CC and Delbert this week for trying to collect on these illegal loans. It isn't easy and you have to be very persistent with the CRAs but they are starting to wise up on these accounts.

Sub: #2 posted on Thu, 12/19/2013 - 22:19

momofthree27 momofthree27

(Posts: 358 | Credits: 46.68)

It was not reporting prior and it was my Experian CBR

Sub: #3 posted on Fri, 12/20/2013 - 07:50


IN Fla - @Debt Samaritan. I will search for the letter you had and send it to the CRA this weekend

Sub: #4 posted on Fri, 12/20/2013 - 07:51


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