[WOBBLY BOB]

The only negative I found was some jackwagon book club who claims I ordered a book and that I didn’t pay.

I already asked them and Experian (in writing) to remove it as it’s wrong, but they never did. A buddy of mine who works in the biz says to just pay them their extortion $ and send proof to the credit gods to atone for my alleged sin.

[justlurking]

I already asked them and Experian (in writing) to remove it as it’s wrong, but they never did.

No, you don't ask them to remove it.

You tell them that it is wrong, and demand that they verify it. The responsibility to prove it is valid is Experian's, not yours.

If the book club still claims you owe, then you demand that the book club produce a contract with your signature on it that obligates you to pay.

[lwd]

From my understanding, you’ll need to tell all 3 agencies (assuming the book club error appears on all three reports) that you dispute it. They will give the book club a certain amount of time to respond to their inquiry (3 or 6 months, I think) and if they don’t respond (which most places don’t, too time consuming), it will be removed.

[MarkL]

I already asked them and Experian (in writing) to remove it as it’s wrong, but they never did. A buddy of mine who works in the biz says to just pay them their extortion $ and send proof to the credit gods to atone for my alleged sin.

This could be a very bad thing for your credit! You want to write to the credit agencies again, stating that this is an incorrect entry. By paying the creditor, especially if you didn't owe it, will pretty much guarantee that you'll have a "late pay" note on your credit report for the next 7 years, starting at the date the creditor reports the payment. If you don't owe it, you need to write to all three agencies, and dispute it.

Credit companies WANT to remove "dings" you don't deserve. They can be sued huge amounts of money if they're wrong and you can show you've disputed it.

Mark