My question involves a credit report problem in the State of: Pennsylvania/California
Hi, first of all, I'd like to thank you for the opportunity of having some questions answered here.
I am not american and I lived in Pennsylvania legally as exchange student in 2004/2005 and opened a bank account with Bank of America. I left the country when my exchange program ended and closed the bank account and did withdraw all of my money. Thank God, I usually keep all my documents for long time and I still have the receipt related to the closure of this account.
I don't know why, Bank of America charged me a USD 5.00 fee AFTER the bank account was closed. I sent a letter to BoA from my country explaining everything and I also sent the documents proofing that I have closed the account in 2005 and they sent me letter back with an evasive answer. I called them from my country to explain the case again and they treated me with disrespect. So, I didn't pay it.
I am now back in the US legally again because my company transfered me here for a 2 year project, in California. Then I found out that I have low credit score reported by RJM Acquisitions. I can't have credit cards either was not able to contract Internet service to my house.
I read a lot of similar cases here and over the internet and contacted this RJM company and they sent me this letter:
'When you finish paying, this account will be satisfied in full, and, as per your specific request, RJM will have our reporting of this account deleted with Experian and Trans-Union.'
I called them again and asked about Equifax. They told me they don't deal with Equifax.
I am a bit confused about what to do, so my question is:
Is better pay the amount (it's about $ 40.00 only) and have them delete the record or should I dispute this with the Credit Agencies, since I have all the documents proofing this is an inaccurate debt?
I appreciate if someone can give me a hand!