OK, I hope I did this right. Also, I now have a Chevron/Texaco card, $600 limit that I have not used yet. Thanks everyone. TransUnion Experian Equifax TOTAL ACCOUNTS: 17 19 20 OPEN ACCOUNTS: 10 3 6 CLOSED ACCOUNTS: 7 16 14 DELINQUENT: 0 0 0 DEROGATORY: 6 10 9 BALANCES: 1951 1433 1951 PAYMENTS: 59 40 68 PUBLIC RECORDS: 1 2 1 INQUIRIES (2 years): 1 1 6 ACCOUNT HISTORY Revolving Accts TNB - TARGET Account No.: **** Condition: Open Open Open Balance: $68 $68 $68 (balance is now â??0- Type: Charge account Charge account Pay Status: Current Current Current Two Year Payment History: Legend CIT/FHUT Account No.: **** Condition: Open Balance: $104 Type: Charge account Pay Status: Current Two Year Payment History: Legend HSBC NV Account No.: **** Condition: Open Open Open Balance: $218 $218 $218 Type: Credit Card Credit Card Credit Card Pay Status: Current Current Current Two Year Payment History: Legend HSBC NV Account No.: **** Condition: Open Balance: $273 Type: Credit Card Pay Status: Current Two Year Payment History: Legend HSBC NV Account No.: 500062**** 25500062**** Condition: Open Open Balance: $273 $273 Type: Credit Card Credit Card Pay Status: Current Current Two Year Payment History: SEARS/CBSD More about this account >> Account No.: **** Condition: Open Open Balance: $587 $587 Type: Charge account Charge account Pay Status: Current Current $3300 limit Two Year Payment History: Legend 1 30 day late JOES BK Account No.: ****** Condition: Closed (Paid) Closed (Paid) Derogatory Balance: $0 $0 Type: Line of credit Check credit/Line of credit Line of credit Pay Status: Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Two Year Payment History: Legend >> (this is completely wrong-was pd in full and is reported as such down further) Installment Accounts: Accounts comprised of fixed terms with regular payments JOES BK Account No.: **** Condition: Closed Closed (Paid) Closed (Paid) Balance: $0 $0 Type: Partially secured Partially secured Pay Status: Current Current Current Two Year Payment History: Legend JOES BK Account No.: **** Condition: Closed Closed (Paid) Closed (Paid) Balance: $0 $0 Type: Partially secured Partially secured Pay Status: Current Current Current Two Year Payment History: Legend JOES BK Account No.: **** Condition: Closed Closed (Paid) Closed (Paid) Balance: $0 $0 Type: Auto Loan Auto Loan Pay Status: Current Current Current Two Year Payment History: Legend SPILLER FURNITURE CO Account No.: **** Condition: Closed (Paid) Balance: $0 Type: Pay Status: Too New to Rate (have had this acct for several years, have not charged anything else on it, $1500 limit) JOES BK Account No.: **** Condition: Closed Closed (Paid) Closed (Paid) Balance: $0 $0 Type: Auto Loan Auto Loan Pay Status: Current Current Current Two Year Payment History: Legend JOES BK Account No.: **** Condition: Closed Closed (Paid) Closed (Paid) Balance: $0 $0 Type: Auto Loan Auto Loan Pay Status: Current Current Current Two Year Payment History: Legend JOES BK Account No.: **** Condition: Closed Closed (Paid) Balance: $0 Type: Unknown - credit extension, review, or collection Pay Status: Current Current Two Year Payment History: Legend AFNI-BLOOM Account No.: CINGULAR-**** Condition: Derogatory Balance: $429 Type: Collection Pay Status: Late 120 Days Two Year Payment History: Legend Other Accounts: Accounts in which the exact category is unknown JOES BK Account No.: **** Condition: Open Balance: Type: Line of credit Pay Status: Current Two Year Payment History: Legend (This is the one that is contradictatory with the one at the top) Collection Accounts: Accounts seriously past due PREMIERE CREDIT OF N A Creditor Name: PREMIERE PREMIERE CREDIT Account No.: ***** Original Creditor: MED Responsibility: Individual Individual Condition: Derogatory Derogatory Original Balance: $151 $151 Balance: $173 $173 Date Opened: 06/25/2007 06/2007 Date Reported: 10/15/2007 10/15/2007 Remarks: [TransUnion] Placed for collection [Experian] [Equifax] AFNI, INC. Creditor Name: AFNI AFNI, INC. Account No.: 2009718818 2009718818 Original Creditor: CINGULAR Responsibility: Individual Individual Condition: Derogatory Derogatory Original Balance: $429 $429 Balance: $429 $429 Date Opened: 09/29/2005 09/2005 Date Reported: 06/12/2007 06/12/2007 Remarks: [TransUnion] Account information disputed by consumer, meets FCRA requirements [Experian] Customer disputed account - reported by subscriber. [Equifax] Creditor Name: CREDIT SOLUTI Account No.: ****** Original Creditor: LAB Responsibility: Individual Individual Condition: Derogatory Derogatory Original Balance: $3 $3 Balance: $3 $3 Date Opened: 10/2004 10/2004 Date Reported: 10/13/2005 10/2005 Remarks: [TransUnion] [Experian] [Equifax] Medical Subject has not satisfied debt. Creditor Name: CREDIT SOLUTI Account No.: ******** Original Creditor: LAB Responsibility: Individual Individual Condition: Derogatory Derogatory Original Balance: $6 $6 Balance: $6 $6 Date Opened: 05/2004 05/2004 Date Reported: 10/13/2005 10/2005 Remarks: [TransUnion] [Experian] [Equifax] Medical Subject has not satisfied debt. Creditor Name: CREDIT SOLUTI Account No.: ******** Original Creditor: LAB Responsibility: Individual Individual Condition: Derogatory Derogatory Original Balance: $35 $35 Balance: $35 $35 Date Opened: 09/2003 09/2003 Date Reported: 10/13/2005 10/2005 Remarks: [TransUnion] [Experian] [Equifax] Medical Subject has not satisfied debt. Creditor Name: CREDIT SOLUTI Account No.: ****** Original Creditor: LAB Responsibility: Individual Individual Condition: Derogatory Derogatory Original Balance: $25 $25 Balance: $25 $25 Date Opened: 04/2003 04/2003 Date Reported: 10/13/2005 10/2005 Remarks: [TransUnion] [Experian] [Equifax] Medical Subject has not satisfied debt. Creditor Name: CREDIT SOLUTI Account No.: ****** Original Creditor: LAB Responsibility: Individual Individual Individual Condition: Derogatory Derogatory Derogatory Original Balance: $67 $67 $67 Balance: $67 $67 $67 Date Opened: 10/02/2002 10/2002 10/2002 Date Reported: 10/13/2005 10/13/2005 10/2005 Remarks: [TransUnion] Placed for collection [Experian] [Equifax] Medical Subject has not satisfied debt. Creditor Name: CREDIT SOLUTI Account No.: ************* Original Creditor: LAB Responsibility: Individual Individual Individual Condition: Derogatory Derogatory Derogatory Original Balance: $67 $67 $67 Balance: $67 $67 $67 Date Opened: 05/30/2002 05/2002 05/2002 Date Reported: 10/13/2005 10/13/2005 10/2005 Remarks: [TransUnion] Placed for collection [Experian] [Equifax] Medical Subject has not satisfied debt. Creditor Name:CREDIT SOLUTI Account No.: ************* Original Creditor: LAB Responsibility: Individual Individual Individual Condition: Derogatory Derogatory Derogatory Original Balance: $102 $102 $102 Balance: $69 $69 $69 Date Opened: 02/28/2002 02/2002 02/2002 Date Reported: 12/07/2005 12/07/2005 12/2005 Remarks: [TransUnion] Placed for collection [Experian] [Equifax] Medical Subject has not satisfied debt. PUBLIC INFORMATION Bankruptcy Type: Chapter 7 Bankruptcy Chapter 7 Bankruptcy Status: Discharged Discharged Date Filed/Reported: 05/01/2000 05/26/2000 How Filed: Individual Individual Reference #: ************** Closing Date: 09/01/2000 09/25/2000 Court: Federal District US BKPT CT Liability: $0 $0 Exempt Amount: Asset Amount: $0 $0 Remarks: [TransUnion] [Experian] [Equifax] Bankruptcy Type: Chapter 7 Bankruptcy Status: Filed Date Filed/Reported: 05/26/2000 How Filed: Individual Reference #: ********** Closing Date: Court: US BKPT CT Liability: $0 Exempt Amount: Asset Amount: $0 Remarks: [TransUnion] [Experian] [Equifax] Bankruptcy Type: Chapter 7 Bankruptcy Status: Discharged Date Filed/Reported: 05/2000 How Filed: Individual Reference #: ********** Closing Date: Court: Federal Government Liability: Exempt Amount: Asset Amount: Remarks: [TransUnion] [Experian] [Equifax] __________________ "Little by little, one travels far" J R R Tolkien TC FAKOs 6/08/2007 TU 632 EX 577 EQ 611 TC FAKOs 4/11/2007 TU 600 EX 561 EQ 589
What are you looking to do? Looks like all the information on the report is at least 2 years from being able to come off as past the 7.5 year limit. With the medical bills your best option is to send off a PFD to the CA. As far as the JOES BK have you disputed the tradeline with the CR that is showing it incorrectly. Do the account numbers match for both of the JOES BK accounts you are asking about?
