I've read through the threads and the FAQ, yet I still have an issue I'm not sure as to how to proceed (inexperience and lack of confidence). Listed on my reports are three accounts, all of which are the same. however none (not even the OC transferral) lists the account with a 0 balance. There are also incorrect dates shown: HR/BestBuy Transferred to another lender updated: 8/2001 opened: 6/97 closed 1/98 balance: 759 status as of 1/98: charged of (Same account number as HFC Nevada) HFC Nevada Placed for collection updated: 10/2000 opened: 6/97 closed: 6/97 balance: 758 status as of 6/97: collection (same account number as HR/BestBuy) Cap. One Profit and Loss Writeoff Updated: 4/02 opened: 10/00 closed: 11/00 balance: 759 Status as of 11/00: charged off (Completely different acct # from other two) so they are all the same account, transferred or sold twice...but the date errors between transfer from OC to second CA is obviously wrong and even with the transfer, the balance doesn't reflect 0. Instead of contacting each CA individually, if I go through the CRA and dispute, what rationale would it be? I've seen the deny approach, yet i figured there could be a date and balance dispute? or just do as others suggested with the deny approach?
I had three accounts listed on EX, two were Chemical Bank, one the CA they had sent it to. The two Chemical were exactly the same except under responsiblity, one said individual the other authorized user. The other difference was in the date they would come off my record, one was 12/03 the other 8/03, both showed as charge/off with balance. I paid the CA a reduced amount for paid in full status, it was to remain on report until 3/05. I disputed the Chemical's as duplicate, delete and the CA as status should be paid in full (they had paid charge/off). I did have the letter from the CA that showed they would report as paid in full, if I would have needed it. As of 6/16 all three were deleted, it was less then two weeks. It could be they were pretty old.
