Ok, so I'm still waiting for the 'official' credit reports that I mailed away for, but since we just opened that Wells Fargo secured credit card, I got an 'alert' from Credit Karma that my credit report had changed, so I logged in to see and there it was, along with my credit reports for TransUnion and Equifax. First thing that has me confused is that I have one tab that says 'Accounts', and in another tab is 'collections.' Accounts In the "Accounts Tab" I have some strange stuff, like an Amex account that it says was opened in 1985. I was 11 years old in 1985. There is nothing 'negative' on the account though. So I'm not 'overly' concerned with it. Next I have a Sallie May Student Loan that was opened in 2000 in the amount of $6,625. There is no payment history on it and the remarks say 'Debt being paid through insurance.' I am not aware of any insurance. In my divorce, my ex-husband agreed to pay that debt, but eventually, he couldn't anymore, and so I believe I had it consolidated sometime between 2007 and 2010, but I can't remember the details. Next is a US Dept of Ed Loan- it says it was opened May 14, 2010 in the amount of $7,375. This account shows Payment Status 120-149 Days Late Worst Payment Status 120-149 Days Late 120 days late 4 times in 2012 and 3 times in 2011. * I believe I have this loan in 'deferment.' But it also says that my amount past due is $0 and in the remarks it says 'transfer.' Next is ANOTHER US Dept of Ed- same open date as the last, May 14, 2010, in the amount of $7,552. Payment Status 90-119 Days Late Worst Payment Status 120-149 Days Late * It also says: Times 30/60/90 Days Late 0/2/4 How could I have been 60 days late twice and 90 days late 4 times, if I've never been 30 days late even once? It shows that my amount past due is $0 and the remarks say, -- Now we come to the next one USDOE/GLELSI Also opened May 14, 2010, in the amount of $8,192. This shows that I am current, and have never been late. And almost last... is another USDOE/GLELSI this one opened Dec 6, 2010 in the amount of $1,811, which also shows as current and never having had a late payment. Finally, under "Accounts" is my brand new Wells Fargo secured cc. I haven't even used it yet, but I will be paying my bills with it this week. Now... Under the "Open Collections Tab" there are (12) items. ARS. Opened Dec 27, 2011 for $514.00 COMNWLTH FIN. Opened January 14, 2015 for $59.00 COMNWLTH FIN. Opened January 14, 2015 for $65.00 COMNWLTH FIN Opened January 14, 2015 for $1,155 COMNWLTH FIN Opened January 14, 2015 for $52 COMNWLTH FIN Opened February 13, 2013 for $$1,213 COMNWLTH FIN Opened February 13, 2013 for $63.00 COMNWLTH FIN Opened February 13, 2013 for $54.00 CRD PRT ASSO (Bright House -cable) Opened Nov 3, 2008 for $488. FID INFO CRP (Apartment) Opened July 6, 2008 for $$6,414 MERCHANTSCOL (County Fire & Rescue) Opened April 1, 2009 for $75.00 MIDLAND FUND (T-Mobile) Opened Feb 14, 2012 for $602.00 Remarks - Account information disputed by consumer, meets FCRA requirements Equifax MIDLAND FUNDING LLC (T-mobile again) Date opened Feb 14, 2012 for $602. This one says: Payment Status Collection/Charge-Off And... in the remarks, Consumer disputes this account information Collection account. SALLIE MAE Opened Feb 1, 2000 for $0.00, Closed. Never late. U S DEPARTMENT OF ED Opened May 14, 2010Account Status Closed - Transfer/Sold Opened Date May 14, 2010 Closed Date May 01, 2012 Limit -- Term 300 Months Monthly Payment $29 Responsibility Individual Account. Balance $0 Highest Balance $7,375 Payment Status 120-149 Days Late Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late 0/0/7 U S DEPARTMENT OF ED May 01, 2010 Closed 6 Missed Payments $0 Account Status Closed - Transfer/Sold Opened Date May 01, 2010 Closed Date -- Limit -- Term 288 Months Monthly Payment $29 Responsibility Individual Account. Balance $0 Highest Balance $7,552 Payment Status 90-119 Days Late Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late 0/2/3 Remarks -- UNIV OF PHOENIX Other Sep 24, 2010 Open - Collection/Charge-Off No Missed Payments Opened Date Sep 24, 2010 Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. Balance $3,032 Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment Dec 01, 2010 Amount Past Due $3,032 Times 30/60/90 Days Late 0/0/0 Remarks Charged off account US DEPT OF ED/GLELSI Student May 14, 2010 Open - Current No Missed Payments $8,192 Opened Date May 14, 2010 Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. Balance $8,192 Highest Balance $8,192 Payment Status Current Worst Payment Status -- Date of Last Payment -- Amount Past Due $0 Times 30/60/90 Days Late 0/0/0 Remarks Student loan - payment deferred Account in forbearance US DEPT. OF EDUCATIO Student Dec 06, 2010 Open - Current No Missed Payments Opened Date Dec 06, 2010 Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. Balance $1,811 Highest Balance $1,824 Payment Status Current Worst Payment Status -- Date of Last Payment -- Amount Past Due $0 Times 30/60/90 Days Late 0/0/0 Remarks Student loan - payment deferred Account in forbearance And for Equifax â??Collectionsâ?.... There are only 7 here and what is interesting is that the 'medical' CA's from the TransUnion report, do appear here, same dates and amounts, but with a different company name for the CA and no address of the CA.
The accounts with no address, I would dispute with EX on that alone, they are required by law to provide valid contact information for all trade lines. They will probably not be deleted, but I would argue, if they can not provide valid contact information, how can they be validating the information is valid.
Forget the Opened Dates. You need the Date Of First Delinquency -- dates. That will tell you when these accounts will drop off. That is also the date to go by for the SOL. Forget where I learned this, but apparently SL's do not always report 30 day late's (their way of being nice I suppose).
Hey jam, thanks for that. Ok, so is there a specific letter in the letters section that I should use for this dispute? Hey mindcrime, I know I need to know the DOFD, but where do I find that information, as it doesn't appear to be on my credit report. I know the SOL's on the cc loans in FL, but not the apartment lease, or the medical bills. Also, what is SL?
I had a look through the 'Sample Letters" sub-forum and the only letter I found for a dispute was this one: http://consumers.creditnet.com/Discussions/sample-letters/t-dispute-entry-your-credit-report-70230.html Should this be what I use to dispute those entries on Equifax from those CA's with no addresses? Thanks
Really, although that form letter specifically doesn't raise any red flags, I usually recommend something simple.
