Gulf State on you're credit report?

Discussion in 'Credit Talk' started by marvin, Sep 27, 2001.

  1. marvin

    marvin Well-Known Member

    I would like to find out if Gulf State is doing this to everyone. On my credit report, there is a zero balance, but has me as being currently 120 days late. I would like to know if they do that on all accounts that show paid, or just mine. If it is their policy to report everyone as 120 days late, even if they have a zero balance, then that is a gross violation of the FCRA.

    I never owed this money, and had it removed from my credit report over a year ago, and now it has resurfaced. I would like to use the fact that they are reporting people with zero balance 120 days late against them in a lawsuit I will be filing.

    I don't need names, or any other information. I am just trying to find out if this is common practice with them.
  2. durango444

    durango444 Well-Known Member

    I had a Gulf State encounter over a year ago. The debt was not mine. I contacted Bud Hibbs at He rocks. I never heard from them again.

  3. Larissa

    Larissa Well-Known Member

    I have that exact same issue...It shows paid but 120 past due as of the date it was paid off
  4. rubyjean

    rubyjean Well-Known Member

    Was this showing on Experian(TRW)? It it looks like this on the second line Current 120 and then the date.. It means that the account was 120 days past due on that date...They do it on all trades that have 30 or greater Delinquency.. It is just the way that they report it..
  5. Saar

    Saar Banned

    Re: Gulf State on you're credit rep

    As a service to newbies :)

    The board's Gulf States "specialist" can be reached at:

  6. marvin

    marvin Well-Known Member

    Thank you for you're posts. I filed the suit yesterday, and it is scheduled for trial next month. Anyone else that has any information on how Gulf State is reporting a paid account would be greatly appreciated. TY very much
  7. mba

    mba Well-Known Member

    Re: Gulf State on you're credit rep

    Saar: Have not heard from anyone in ages about Gulf States . . .

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