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Sara Said:

What does PRISM/CBSD stand for on my credit report?

We Answered:

I've had a Citi Mastercard - that's what it showed up as. I wouldn't doubt it's something from CitiBank!

Mark Said:

Attention: Credit Experts Please help!?

We Answered:

And now for the REAL answer. I'll answer your questions in the order that it was asked

1. the contact information for the credit bureaus are as follows

P.O. Box 740256
Atlanta, GA 30374
Web site:

PO Box 2002
Allen, TX 75013
(888) 397-3742
Web site:

TransUnion LLC
P.O. Box 2000
Chester, PA 19022
(800) 888-4213
Web site:

2. You can only dispute unauthorized inquires, by writing directly to the creditor that pulled your credit requesting them to remove the inquiry, or writing to the bureaus. If you did formally apply for credit, it will not be removed. But keep in mind that inquiries lose their effect after 6 months and stop reporting after 2 years.

3. While it's good that you're paying your credit cards on time, which you should continue to do, one thing that you should look at is how much you're paying on your credit cards. Just paying the minimum payment isn't enough. Also, if your balances are more than 50% of the available credit, then your credit will suffer as a result. Ideally, you want to have your balances below 30% of your limit, or better yet completely paid off.

4. The best way to dispute collections is to send debt validation letters certified mail directly to the creditors and collection agencies, which you can find listed somewhere on your report. The collection agency has to prove that you owe the debt, by sending an invoice, or something that proves that you owe. Then you should dispute with the credit bureaus that I listed in #1 THROUGH CERTIFIED MAIL. DO NOT DISPUTE ONLINE. Disputing online doesn't force the creditors or collection agencies to prove that the debt is valid.

5. Like I mentioned in #4, the contact information should be listed somewhere on the credit report. Usually it will be listed on the last pages or towards the bottom, depending on which bureau it is.

6. Disputing the accounts doesn't necessarily mean that your score will raise. If you're sucessful in getting it removed from your report, there's a chance that it may raise slightly.

I thank you for reading and good luck!

Joyce Said:

I had my credit checked by a mtge co. The trimerged report shows a creditor with no contact info. Who is Affil

We Answered:

Well Thev, maybee you need to check out what you wrote, I have the same thing on my credit report, and the AFFIL that shows up is a consumer group, which does not help answer the question.

This actually stands for the affiliated group out of Rochester Minnisota:

2004 The Affiliated Group, Inc. All rights reserved.
3055 41st St. NW, Suite 100 Rochester, Minnesota 55901
Phone: 1-800-223-0290 Fax: 1-800-628-3645 E-mail:

I just finished taking care of mine.

Ramon Said:

Collection on my Credit Report but no contact info?

We Answered:

Medical debts can be treated different than other types of debts because of HIPAA, as long as you deal with the original medical provider. If you deal with the collector you would be waiving your HIPAA rights in that area.

You do have the right, under HIPAA, to pay the medical provider.
As long as you pay the medical provider the full amount you owe, the medical provider should recall the debt from the collector.

The medical provider should also make the collector remove any references from their files and what they had placed on your credit reports.
Once the medical provider is paid, the collector would no longer have any permissible business purpose in retaining protected health records or reporting them on your reports.

You might click on my profile and click on the last link I've listed to a free credit discussion board. Do some reading in the Medical Forum.
You will find a sample letter template series to use when paying the medical provider, which is also free to use. Your Ad Here

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