Complaint Review: GEMB/WALMART

GEMB/Wal-Mart

For the last seven months I have been trying to get GEMB/Wal-Mart to correct miss information they have placed on my credit reports. My account was a charge off back in 2003 but was paid in full as agreed on 11/2006 through an attorney they hired to collect from me. I have contacted GEMB/Wal-Mart several times a month since I discovered that they were reporting incorrect information but they still continue to misreport. I have also filed disputes through each credit bureaus but each time GEMB/Wal-Mart verifies the information as correct or updates it to something else false.

GEMB/Wal-Marts actions have caused my car insurance to go up, I have been denied a car loan and credit cards. I am now afraid to apply for a mortgage because GEMB/Wal-Mart reported me in default of a mortgage when it was actually a credit card. I have asked GEMB/Wal-Mart several times to have this account deleted from my credit files due to their errors but they keep saying no and that they are reporting accurate information. Here are the results of GEMB/Wal-Mart updates over the last four months:

Feb 27th 2007

Equifax Balance $0.00 - Account Status Late Over 120 days - 90 days late 10 times- Score 577
Experian Balance $0.00 Account Status Paid As Agreed 90 days late 3 times - Score 602
Transunion Balance $0.00 Account Status Late over 120 days 90 days late 0 times - Score 606

March 2007

Equifax Balance $0.00 - Account Status Late Over 120 days - 90 days late 10 times- Score 577
Experian Balance $0.00 Account Status Paid Was Past Due 150 Days - Score 602
Transunion Balance $0.00 Account Status Late over 120 days 90 days late 0 times - Score 606

April 2007

Equifax Balance $604.00 - Account Status Collection - Type of Loan (a purchased time share) - Score 585
Experian Balance $0.00 Account Status As Agreed - Score 646
Transunion Balance $604.00 Account Status Collection Score 652


May 11th 2007

Equifax Balance $0.00 Account Status Pays as Agreed - Type of Loan (a purchased time share) - Score 672
Experian Balance $0.00 Account Status Paid was Charge Off Score 646
Transunion Balance $604.00 Account Status Collection Score 652

May 18th 2007

Equifax Balance $0.00 Account Status Pays as Agreed - Type of Loan (a purchased time share) - Score 672
Experian Balance $0.00 Account Status Paid was Charge Off Score 646
Transunion Balance $0.00 Account 120 Days Past Due Score 652


May23rd 2007

Equifax Balance $0.00 Account Status 120+ DAYS PAST DUE - Type of Loan (Charge Account ) - Score 662
Experian Balance $0.00 Account Status Paid was Charge Off Score 646

May 27th 2007

Equifax Balance $0.00 Account Status CHARGE OFF - Type of Loan (Charge Account ) - Score 637
Experian Balance $0.00 Account Status Paid was Charge Off Score 646


I still have 3 years with this account on my credit files unless they re-date the account and I just cant imagine what its going to reflect in the future.

My advice to everyone is just say NO TO GE MONEY BANK AND WAL-MART!

Chris
melbourne, Florida
U.S.A.