I have followed-up on your instructions and got the three credit reports. After I contacted the reporting bureaus with the discrepancies, and contacting the institutions/negative listings to get the eroneous info corrected, I got the discrepancies deleted from my credit reports. (a previous address was used for a business that I had nothing to do with, I thought I was signing-up for frequent-flyer miles with AirTran and was issued a credit card and was charged fees, for a card I never applied for, activated or used, and a cell phone in Puerto Rico I never applied for or ever used.)
My one credit card(BofA) has canceled me, saying I dont meet their criteria? Is charging me 26.4% interest and will not lower the rate even though I have never missed a payment. I'm living off SS disability and making minimum payments with a balance of 38 hundred. How do I negotiate a settlement with them to put an end to this, because at this rate I will be paying forever. This is the only issue I am dealing with, since I have no other cc and no other debts? Today the new credit card changes go into effect, how will this affect me?
Source: Beryl Berry