Thanks to those who replied to my last questions. Now I have another. I checked my credit reports after being told to close accounts. I noticed that on my experian and on my equifax reports they are reporting information that I'm not sure should be reported the way it is. here's the situation... I opened a Sears account in 1997 then had serious financial problems and ended up having my Sears account charged off and bought by someone else, this happened near the end of 1998. Well, when I look on my report Sears is reporting that I'm 120 + days late on my account and has the last date being in 2003. Can they do this if they no longer have this account? I'm confused if this is the case I'm never going to get this account off my credit report. I have no problem paying the charge off now, since I'm finally in a situation where I can but I don't want to pay anything when I still have this mess. Are they reporting this correctly and if so how can I fix this? Thanks so much for your reply's Crissy
Did you get paper copies of your report or are you looking online? If you did it online, get paper copies. I always suggest this first, because there is information on there that isn't necessarily on the online report. The 2003 may be the last status date, not the date of last activity. The paper copies usually show "this item will continue on record until xx/xx/xx" or something like that. That is the date it will fall off. If you look at that and it's been reaged, post again and we'll work on it.
I got the reports on line and printed them out. The last status date is dated in 2004. The date I'm talking about is listed under the 7 year pament history. It shows 30 days late, 60 days late and then 90 days late. It has listed under the 90 days late the 2003 date. Does that make sense. Thanks, Crissy
