I received credit report from Experian and I have 2 Charge-offs. One of them is from Providian. But I paid off already since 1998, but after I got this credit report I am not sure if I am right. Or I still owe them money. Please take a look at my credit report here : http://www.geocities.com/auxnitor/CRA.jpg Please advice TIA Ard
RE: Anyone Please explain this It says that your balance is $0. It probably means that it was charged off. It's probably pretty negative, still.
RE: Anyone Please explain this It sounds like Providian charged off your debt before you finished paying it off. They can do that actually. I would dispute the item at this point and hope they do not verify the item. If they dont you may be lucky enough to get it deleted. roni
RE: Anyone Please explain this My experian credit report has never looked like that -- how did you order it? Experian has been much easier to read as opposed to TransUnion or suquifax (sorry).
RE: Anyone Please explain this Its a reformatted report. Btw, you guys know the credit bureaus provide a nice page that describes (technically) how to read a credit report with diagrams and arrows pointing out what goes where, and what the various letters, etc mean right? I don't remember them giving them out with free reports, i could be wrong.. Equifax used to give them out if you call and ask.
RE: Anyone Please explain this Thanks. I will start to dispute it, by the way, what the reason should I put on my letter? TIA Ard
RE: Anyone Please explain this Easy! Dispute the items as Not Yours. The second time around you can dispute it as never late,in collection or charged off. Good Luck! roni
RE: Anyone Please explain this Thank you so much, I will send out the letter as soon as possilble. Thanks again. Ard
