I filed Chapert 7 in 6/03 I have 2 Mastercard accounts with Orchard Bank the accounts went to a collection agency called Midland when I filed BK I included Midland on my BK papers I used their claim number from the letter they sent me demanding money. Now I look at my credit report and it has HouseHold bank as a charge off I called HH Bank and they stated it when remain on my credit report with them for 7 year. I found the letter that Midland sent me stating they brough this account, also on a previous credit report not now Household reported Account Transferred/Sold. How do I get this mess straight so it can report acccount included in BK.
A debt can be reported by every person who has ever owned it. Household was the first owner Midland the second. Had the debt been sold 8 more times you would have gotten a total of ten NEGS for the SAME account neat eh! PS:Hain't it sweet how one Neg. debt is counted as ten different dings against you. But on the other hand one good account owned by ten different people only counts as one pos. account?
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the accounts were not included in BK before they were sold so i dont think they can be reported that way. you can dispute it with the credit reporting agency. same w/the household account.
The account was included in BK on 3/03, received a letter from MIdland 12/02 to offer me a 50% payment offer. Equifax reported on a report I have dated 10/3 the account "Account Transferred or Sold". This is confusing. What do I do to get this clreared up?
The HHld account was not included in BK, if it was sold to Midland before hand. However, they can't report it as a chargeoff. Accurate reporting should be as previous: Account sold or transferred -0- balance. What kind of disputing have you done on it?
I am very new to this. I really don't know what to do. The only thing I did was called Equifax today to explain the situation they gave me a confirmation number and said they will verify the information with HH Bank. Is there anything else I can do? Suggestion sare appreciated.
To: jlynn If that doesn't work could you tell me some others steps that I can do.? I think HHBank is playing tricks because my first credit report 12/3 stated "Included in BK" and my second report dated 12/19 stated "Account Charged Off" Thank you
Re: Re: Credit Report How to Handle This I'm having a similar problem with HHld. See the post entitled CHOD. I will keep you posted. They have never marked the account in dispute, so after the results are in for this one (around the 19th), I'm going to have to send out an ITS.
