I did a basic browsing of this board and hope you can give me mopre information or lead me to the right posts. I'm in New Jersey and according to http://www.creditinfocenter.com/rebuild/statuteLimitations.shtml The Statue of Limitations is 6 years for all accounts I have a copy of my credit report from CreditKeeper but it's so long I don't undsrstand which accounts still exist and which were merged with others. My goal is to improve my score enough to qualify for a new card or a loan so I can move my balance from Household Bank to it because I am over the limit with them and for five months they wouldn't work with me on a plan I can pay. Now I'm on a 6 month plan and in 4 months the intrest goes back to 21% from the 9% it is now I can post the whole report here if it would help with my account #'s edited out
I did a basic browsing of this board Bud did you read everything in this link? ****************************************************** NEW MEMBERS READ THIS. http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=410243#post410243 ******************************************************* >
Yes I read the links from there and my head was swimming if I understand correctly, the first thing I need to do is send to the Collection Agency's (CA) a letter asking then to VALIDATE that the debt they say I owe is really my debt. If they do not validate it in 30 days I then send a letter to them demanding they remove the information from my credit report. For them to VALIDATE the debt they have to prove I agreed to the original debt from who they say I had the debt with. If this is correct I am not sure who I need to contact to have the entries Validated I do see the followjng simple errors Equifax has my Current Employer wrong Experian has my DOB and Previous employer wrong Transunion has my Current empolyer Wrong I made the following MISTAKES prior to comming here Paid two Collection Agencies to cover a bill for less than the full amount AFNI for Cingular and someone I forget who for Capitol One Agreed to pay AFNI, INC for a debt Cingular says I owed. In mutiple phone conversations I made with them I told them I did not agree with the debt but when they agreed toi reduce the amount owed and reage I agreed to pay. Will be paid off End of August Shows on Equifax as Open Account at least 120 days or more than four payments past due American Express reported by all 3 listed as closed by credit grantor charged off as bad debt does not show when charged off Another American Express listed by Equ only listed as Pays account as agreed Another Amex listed by Exp and TU shows closed by consumer request (exp) and closed by grantor (tu) Paid Satasificatily/as agreed Anderson FIN Network (AFI) Shows Exp and tu Date open is 2003 shows as past due and in collection. I entered the collection process in May so I don't see how it can be past due at this time. Capital One Equ shows open Exp and TU shows closed All have setelled for less than full balance CBUSASEARS Shows open from all three pays as agreed/current but Exp shows me as was past due 120 days CITICards cbsdna shows pays as agreed/current with the accouint closed by creditor but TU shows the account as Open citibank sd shows closed for all 3 equ shows paid account 0 balance and the other two show closed consumer request but tu shows unrated another citibank shows clised by eq and tu but exp shows open also paid as agreed/current yet another citibank with the same info computer city shows account sold and pays as agreed from equ and clised by exp current with a 120 past due discover shows settlement on all three agencies paid as agreed household bank shows on exp and tu only with closed per grantor 120 days past and in collection. I AM MAKING MAPYMENT TO THEM. THEY TOOK THE ACCOUNT BACK FROM THE COLLECTION AGENCY HHLD/Compusa closed by grantor paid as agreed except for tu who shows it as open and 60 days past due has a balance of 0 household bank again rported by all 3 account closed equ shows paid as agreed tu shows in collection houshold bank (Orchard) shows pays as agreed only reported to Equ not TU or exp another hosuehold settlement accepted paid less than full macy's shows on tu as open accorinding to macy's i don't have an accountwith them anymore mbna settlem,ent accepted listed as closed by exp and tu. equ sjpws as open officemax shows closed per grantor paid less than full The paid less than full is from a debt reduction plan I was in a few years ago when I lost my job and needed assistance in getting my debt down.
