I have a Sears chargeoff 3 yrs old. Citibank USA NA-SE has now listed the same chargeoff on my CR and posted 120 days to EQ and CO to EXP for the past two years?? I don't even have a letter from them or have their address to send a dispute letter. If i dispute with CRA will they provide me with their address?
Citibank just took over sears. So that is prob why your are seeing sears on your credit report. My current acct is still listed as sears. Has anyone else seen a change?
I read several posts stating Citibank is now Sears. My problem is I have a 3 yr old charge off listed with Sears, and now Citibank has put it on my CR but have listed the last two years as 120 days late with one CRA and CO with another. I've got the same debt on my report twice and haven't even received a letter from Citibank. Sears also sold the acct. to Sherman and they have jumped in and listed their TL last month after i sent a letter of validation. Sherman didn't take the validation letter seriously. They turned it over to their attorney within the 30 day validation time and then listed it on my CR. Do I sent an estoppel letter to Sherman or dispute with the CRA? Dispute Citibank with the CRA?? I really need an answer on this post! I search and read threads....everyone is different...could someone who has gone through the different steps to the estoppel letter email me so i can just ask some questions???? Please!! bjmealy@emeraldcst.com. Thanks
Yep - same here. My Sears account was only listed on Efx (not exp/tu) in the past. It was called "sears roe..." Today, I pulled PG and it now shows on all three bureaus as CBUSA (noted as sears). They must've updated all of their reporting today. Strangely enough, it's the same day that my mort lender pulled my CR after the broker sent over the auto-underwritten package last week. Could've been veeery bad if my sears account had dings!
RMA = Risk Management Alternatives or Associates. They are/were the CA for Sears. My DH had a sears charge-off back in 1996 and it was "sold" to RMA. Sears finally fell off this past spring but as usual RMA re-aged the account by 8 months. Sears is now back on his equifax only showing a DOLA of 8/2003 but a last pay date of 4/1996. Thank goodness this happened AFTER we closed on our house!
