Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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You need to file a dispute with the credit bureau with a copy of your divorce order and copy of proof payment was made within the grace period and thus was not late and even if it was that there is a court order showing you were not liable for the payment. The credit bureau under the Fair Credit Reporting Act has 30-45 days to investigate and respond or remove the report. That is the process for correcting the mark. If they will not remove it, then you can sue your ex for damages for any loss of credit you suffer for her paying so late.
Do I need to file with all 3 bureaus? Is this online or via written mail? Any chance you have that info to where to send disputes? thanks.