No problem. Read, write down your questions, and you will get lots of help. Relax. You are in the right place. There are a lot of other people on here who've been where you are. I just wanted to make that one point, stop paying now, and stop talking to them, until you get your "education." Handle it however you wish, but you are hurting your chances of getting this removed by doing what you're doing. If you listen to the CA's you will be in credit hell forever. Paying helps them, not you.
Ok I got my equifax report... FICO score of 596 Credit Information Company Name Account Number Date Last Type of Account High Items as of Date Reported Date and Whose Acount Opened Activity and Status Credit Terms Balance Past Due Reported Capital One XXXXXXXXXXXXXX INDIVIDUAL ACCOUNT 04/2000 12/2002 Revolving PAYS AS AGREED $681 20 $262 12/2002 Prior Paying History 30 days past due 03 times; 60 days past due 03 times; 90 + days past due 03 times; CREDIT CARD -------------------------------------------------------------------------------- Certegy COMPUSA XXXXXXXXXX INDIVIDUAL ACCOUNT 06/2001 06/2001 Open CHARGE-OFF $78 $78 10/2001 Prior Paying History CHARGE OFF-CHECK PRESENTED WAS UNCOLLECTABLE -------------------------------------------------------------------------------- Hhld Bank/Bestbuy XXXXXXXXXXXXXX INDIVIDUAL ACCOUNT 11/2000 09/2001 Revolving 120+ DAYS PAST DUE $1751 $0 10/2002 Prior Paying History 30 days past due 02 times; 60 days past due 02 times; 90 + days past due 09 times; ACCOUNT TRANSFERRED OR SOLD CHARGE -------------------------------------------------------------------------------- Sallie Mae XXXXXXX AUTHORIZED USE 05/2001 10/2001 Installment PAYS 31-60 DAYS $9905 169 $9644 $351 10/2001 Prior Paying History 30 days past due 01 times; 60 days past due 00 times; 90 + days past due 00 times; STUDENT LOAN Now here nothing looks wrong. I still plan to pay off the bounced check to CompUSA, can I get that totally off my credit record do you think? Everything else looks right... Im guessing I cant do much about late payments. And the best buy card... well thats what this whole mess is about.
Also I noticed this.... Companies that Requested your Credit File 01/02/2003 ID-Equifax Consumer Services, Inc 01/02/2003 Equifax Consumer Services 11/23/2002 AR-Capital One 11/15/2002 PRM-Direct Lending Source Inc 09/27/2002 AR-Capital One 09/25/2002 Arrow Financial Services LLC 08/01/2002 AR-Capital One 07/26/2002 PRM-At&T Wireless 07/15/2002 AR-Capital One 05/24/2002 AR-Capital One 04/28/2002 AR-Capital One 03/25/2002 AR-Household Bank 03/22/2002 AR-Capital One 02/28/2002 PRM-Hamilton Capital Group 02/25/2002 AR-Household Bank 02/22/2002 AR-Capital One 01/28/2002 AR-Capital One 01/25/2002 AR-Household Bank 01/19/2002 AR-Capital One Isnt capital one hitting my credit record just a BIIIITTTTTT too much? Or is that normal since I was past due for such a long time till I got caught up? (Theyve been paid on time for the past 6 months) I have no idea who Hamilton Capital is nor Direct Lending Source.
Capital One is bad about doing Account Reviews every month for their sub prime cards. Account Reviews don't count against your score, and no one else ever sees them. Hamilton and Direct Lending Source got PRoMotional info, they didn't see your whole report. Just header info and maybe your score. No one else sees those inquiries either. Arrow pulled a hard on your report, nasty little buggers - those DO count against your FICO and look BAD to anyone who reviews your report.
Hhld Bank/Bestbuy XXXXXXXXXXXXXX INDIVIDUAL ACCOUNT 11/2000 09/2001 Revolving 120+ DAYS PAST DUE $1751 $0 10/2002 Prior Paying History 30 days past due 02 times; 60 days past due 02 times; 90 + days past due 09 times; ACCOUNT TRANSFERRED OR SOLD CHARGE OK, you are paying a collection agency - HHB sold the account. Who is the collection agency? That's what you want to know now. Got any correspondence from them? The check, I agree, Certegy has the account. If you have a "story" behind the bounced check, use it now. I would write a nice letter explaining whatever circumstances (illness, job loss, etc) and ask them to consider helping you by deleting the entry on your credit report. They will say they can't but write the letter anyway. Chances are, you are also on chex systems. Get a report from them, also. There are 3 major credit bureaus, get the other 2 reports, and see what is on them. You are on your way! It can be done.
Ok here is my transunion reports... FICO of 589 Total number of inquiries resulting from you applying for credit 2 Date Company requesting your credit record 9/24/2002 ARROW FINANC 7/5/2002 T-MOBILE Accounts Summary Number of accounts 4 Number of accounts with balances 2 Number of accounts that are negative 3 (see Negative Items) Total balance on all accounts $9,906 Length of credit history 4 years, 4 months Account Type Company Account Number Date Opened Balance Negative Items More Information Revolving Account HHLD BANK XXXXXXXXXXXX 11/2000 $0 Yes More Information Installment Account SLM FINC CO XXXXXXX 5/2001 $9,644 Yes More Information Revolving Account CAPITAL 1 BK XXXXXXXXXX 4/2000 $262 Yes More Information Installment Account LASALE NT BK XXXXXXXXXXXX 9/1998 $0 No More Information HHLD BANK(Individual Account) XXXXXXXXXXXX Credit Grantor Information Not on record Account Type Revolving Account Credit Limit (High Credit) $1,100 $1,751 Minimum Monthy Payment (Terms) Date Opened November, 2000 Date of Last Activity September, 2001 Date Paid Out September, 2001 Date Closed May, 2002 Loan Type Charge Account Collateral Description Transferred to another lender Account Type Company Account Number Current Status Worst Delinquency Negative Description More Info Revolving Account HHLD BANK 69110022XXXX Collection account No More Info Installment Account SLM FINC CO 201XXXX 30 days past due 30 days past due No More Info Revolving Account CAPITAL 1 BK 41217416XXXX Paid or paying as agreed 120 days past due No More Info All the negatives are late payments.
Sorry, I forgot - answering a lot of stuff this morning. So, you sent them a validation letter, they haven't responded. See if they have an entry on the other 2 major bureaus. They can't continue collection efforts until they validate. Also, do a search for "arrow" and read up on them. Now, go read, I have to go to work.
experian report... FICO Score of 639... Potentially Negative Items back to top Credit Items For your protection, the last few digits of your account numbers do not display. CAPITAL ONE BANK Address: PO BOX 85064 GLEN ALLEN, VA 23058 Account Number: XXXXXXXXXXXXXX Status: Open/Current, was past due 120 days. Status Details: As of 2-2009, this account is scheduled to go to a positive status. Date Opened: 04/2000 Type: Revolving Reported Since: 04/2000 Terms: NA Date of Status: 08/2002 Monthly Payment: $20 Last Reported: 12/2002 Responsibility: Individual Credit Limit/Original Amount: NA High Balance: $681 Recent Balance: $262 as of 12/2002 Recent Payment: $0 Account History: 120 days as of 7-2002 90 days as of 6-2002, 4-2002 60 days as of 5-2002, 3-2002, 4-2001 30 days as of 2-2002, 3-2001, 12-2000 Balance History: $232 11/2002 $256 10/2002 $276 09/2002 $442 08/2002 $617 06/2002 $554 05/2002 $517 04/2002 $478 03/2002 $419 02/2002 $361 01/2002 $304 12/2001 $307 11/2001 $346 10/2001 $300 09/2001 $295 08/2001 $360 07/2001 $304 06/2001 $304 05/2001 $321 04/2001 $351 03/2001 $296 02/2001 $231 01/2001 Between 8-2002 and 11-2002, your credit limit/high balance was $681 Between 6-2002 and 6-2002, your credit limit/high balance was $617 Between 5-2002 and 5-2002, your credit limit/high balance was $554 Between 4-2002 and 4-2002, your credit limit/high balance was $517 Between 3-2002 and 3-2002, your credit limit/high balance was $478 Between 1-2001 and 2-2002, your credit limit/high balance was $477 HHLD BANK/BEST BUY Address: PO BOX 15519 WILMINGTON, DE 19850 Account Number: XXXXXXXXXXXXXXXX Status: Transferred/Collection account. Date Opened: 11/2000 Type: Revolving Reported Since: 06/2000 Terms: NA Date of Status: 09/2002 Monthly Payment: $0 Last Reported: 09/2002 Responsibility: Individual Credit Limit/Original Amount: $1,751 High Balance: $1,751 Recent Balance: NA Recent Payment: NA Creditor's statement: Account transferred to another lender. Account History: Collection as of 8-2002, 7-2002, 6-2002, 5-2002 180 days as of 4-2002, 3-2002 150 days as of 2-2002 120 days as of 1-2002 90 days as of 12-2001 60 days as of 11-2001, 6-2001 30 days as of 10-2001, 5-2001 Balance History: $1,751 08/2002 $1,689 07/2002 $1,629 06/2002 $1,569 05/2002 $1,511 04/2002 $1,454 03/2002 $1,400 02/2002 $1,344 01/2002 $1,289 12/2001 $1,235 11/2001 $1,181 10/2001 $1,129 09/2001 $1,131 08/2001 $1,142 07/2001 $1,075 06/2001 $967 05/2001 $698 04/2001 $658 03/2001 $574 02/2001 $574 01/2001 Between 8-2002 and 8-2002, your credit limit/high balance was $1,717 Between 7-2002 and 7-2002, your credit limit/high balance was $1,657 Between 6-2002 and 6-2002, your credit limit/high balance was $1,597 Between 5-2002 and 5-2002, your credit limit/high balance was $1,540 Between 4-2002 and 4-2002, your credit limit/high balance was $1,482 Between 3-2002 and 3-2002, your credit limit/high balance was $1,428 Between 2-2002 and 2-2002, your credit limit/high balance was $1,372 Between 1-2002 and 1-2002, your credit limit/high balance was $1,317 Between 12-2001 and 12-2001, your credit limit/high balance was $1,263 Between 11-2001 and 11-2001, your credit limit/high balance was $1,209 Between 10-2001 and 10-2001, your credit limit/high balance was $1,157 Between 8-2001 and 9-2001, your credit limit/high balance was $1,142 Between 7-2001 and 7-2001, your credit limit/high balance was $1,104 Between 6-2001 and 6-2001, your credit limit/high balance was $1,027 Between 1-2001 and 5-2001, your credit limit/high balance was $1,100 PROFESSNL ACCT MGMT INC Address: 2040 W WISCONSIN AVE STE MILWAUKEE, WI 53233 Account Number: XXXXXXXXXX Original Creditor: TCF BANK Status: Collection account. $72 past due as of 2-2001. Status Details: This account is scheduled to continue on record until 6-2007. Date Opened: 10/2000 Type: Installment Reported Since: 06/2000 Terms: NA Date of Status: 05/2000 Monthly Payment: $0 Last Reported: 02/2001 Responsibility: Individual Credit Limit/Original Amount: $72 High Balance: NA Recent Balance: $72 as of 02/2001 Recent Payment: $0 Account History: Collection as of 2-2001, 6-2000 Accounts in Good Standing back to top LASALLE NATIONAL N A Address: 3985 N MILWAUKEE AVE CHICAGO, IL 60641 Account Number: XXXXXXXXXXXX Status: Paid/Never late. Status Details: This account is scheduled to continue on record until 4-2010. Date Opened: 09/1998 Type: Installment Reported Since: 09/1998 Terms: 48 Months Date of Status: 04/2000 Monthly Payment: $0 Last Reported: 04/2000 Responsibility: Joint with JANET HANSEN Credit Limit/Original Amount: $7,947 High Balance: NA Recent Balance: NA Recent Payment: NA Requests for Your Credit History back to top Requests Viewed By Others We make your credit history available to your current and prospective creditors and employers as allowed by law. Personal data about you may be made available to companies whose products and services may interest you. The section below lists all who have requested in the recent past to review your credit history as a result of actions involving you, such as the completion of a credit application or the transfer of an account to a collection agency, application for insurance, mortgage or loan application, etc. Creditors may view these requests when evaluating your creditworthiness. CORPORATE RECEIVABLES Address: 7600 N 16TH ST STE 100 PHOENIX AZ 85020 Date of Request: 04/25/2002 Comments: Collection purpose. This inquiry is scheduled to continue on record until 5-2004. TCF Bank is something I forgot about... Ill pay that off to get that covered. Overall it looks like mostly what I have on there is late payments... no real way to get thoose off is there? Household bank is on all of them, which is what this whole situation is about.... however it looks like when Arrow took it over they never put anything on my credit report... so should I just leave it as is unless they add it to my credit report?
Oh ya and Corporate Receivables are the bastards who had my Best Buy account before Arrow... the ones who had it for 6 months and during that WHOLE time they kept charging me intrest and fees even tho I couldnt make a normal payment to household! They said I had to deal with Corporate Receivables. ALL of this was during the time they wouldnt let me make normal payments! $1,751 08/2002 $1,689 07/2002 $1,629 06/2002 $1,569 05/2002 $1,511 04/2002 $1,454 03/2002 $1,400 02/2002 $1,344 01/2002 So basically $400 in fees because they wouldnt let me pay! This was kind of ironic... Spouse's First Name: JOHN Since when am I married to my dad? /shiver
Ok, as Breeze said now is the time to read, read, read. Your best advice is not to pay anybody or do anything until you have a handle on whats going on. If you so choose to pay some of these accounts, there are ways to pay them and make them disappear from your reports completely. If you fire off checks to these people, then you will have paid collections on your report for the next seven years or so. THESE ARE JUST AS BAD AS UNPAID COLLECTIONS.
Oh Corporate Receivables just pulled a copy of my report is all. Basically the whole situation was like this... in January 2002 Corp Receivables began trying to collect the debt for Household bank. At that point Household would no longer accept montly payments from me, however they continued to send me bills and charging me fees. This continued until October of 2002 when the debt got sold to Arrow. Now the only thing on my report is that Household transferred the debt to someone else, which is Arrow. Arrow has not posted anything on my credit report as of yet related to this debt. On 10/28 I sent a validation letter to Arrow, I never received a response. So right now, this is where Im at.
Yea, I caught that after I posted, and changed it! Arrow can't put anything on your report until they validate, or that will be your first violation.
Ok about the certegy part on my EQ report, I contacted Certegy and they say EQ is handling it... EQ says Certegy is handling it... should I just dispute this since both have no clue whats going on and hope they dont verify? Its a check for $78 I bounced at CompUSA.
. You need to educate yourself about how this screwed-up credit system really works. breeze ====================== It's not a screwed up credit system , it's a legalized shell game. LB 59
I have no idea who Hamilton Capital is nor Direct Lending Source. Dulanic ================= Well you need to find out. If it's false info. it don't belong there. LB 59
Send a validation letter to whomever is reporting it. CRRR. Once you get the green card back, then dispute with the CRAs. If they do validate, come back and ask, someone will help you with payment for deletion.
