Hi,I want to delete SERIOUS DELINQUENCY reported by KOHLS on my credit account. I opened my KOHLSaccount in April 2011 and was told that I would receive my KOHLS charge cardwhich I could use to make my payment in two to three weeks. However, I haven’treceived it until now. Without that card, I cannot get my account number, accessmy account online and get my billing information. Moreover, I haven’t receivedany notification email or phone call to tell me when my bill should be due. SoI have no idea about how to make my payment and when my bills were due. Afterseveral months, I called their agent and found my bill was due and was told Icould pay my bill via phone. As soon as I got that, I made my paymentimmediately. Hence, I think it is very inaccurate and unfair to put SERIOUS DELINQUENCY on my account.
However, I tried to dispute with them once but it seems they didn't remove it for me. So how could I deal with this? Do I need a lawyer?