As most of us here got our reports from Equifax I would like to know if anybody would mind letting my know how a collection account appears on your reports?? My husband's collection account is being reported "open" and currently delinquent, being report 120 late as of 10/2000 etc. and I know that the listing of this account is the reason his score is so low. I have began transribing a letter to Equifax and the collection agency pointing out this major mistake and I am also filing a complaint with the FTC. If anyone of you are unfortuante to have a collection listed on your equifax report, could you kindly tell me word for word how it is entered?? This is very important and I appreciate anyone's help with this matter. Mom
most of my collection accounts just show delinquent and updated at some point. Jim's collection from credit acceptance corp which should say included in bankruptcy is saying 120+ days past due updated 02/01 which it should not say since the bankruptcy discarged in 01/01.
Thanks Melissa. Do they report as being "open" and are they listed with your other revolving accounts??
I just received my Equifax report in the mail today. All my collection accounts are listed on the first page. It says: Collection Agency Account Information: And then lists 5 doctor bills that I have not been able to pay. They are not listed with the other accounts and are not reported as "open" or the like, just a date of last activity.
Thanks Lucy yes I know the "open" status is it, the problem with this is that is reporting it opened and so it looks like he has been late continuely since 12/95, I am going to fight to the end with this one. Thanks for replying Mom
