Ok, I've gotten about as far as I could with my first few months of trying. Currently all but two creditors are showing what I consider alright information but none are showing what I ultimatly want. I need help with the following issues. All information is based on what I found fron mycreditkeeper.com 1) One current charge off is still showing. It is from Amex in the amount of $311 They stated to me that they will not be pursuing collections on this amount but they also will not delete it if paid. Reports to Experian and Equifax only. Experian shows CO 9/03 with no data for any other dates other than 9/2004 when I sent a letter trying to get them to pay to delete. Equifax shows charge off 10/2003 with OK for all other months 2) AFNI which was collections for Cingular had me as 120 days late at one point, after paying a settlement amount which I never agreed was a debt I owed they are reporting to Equifax that I was 120 days late at one point and it is a Paid Collection.They are reporting the same account to Experian as no data until 9/04 then just an OK aith a $0.00 past due amount Legally paid in full for less than full balance. 3) Capitol One-Paid in full for less than full balance. TransUnion shows 30 day late 1/03 with 120 day late 5/03 never charged off-120 days past due, Experian shows 30 day late 2/03 with 120 day late 6/03 Charge Off 7/03-Legally paid for less than full balance. Equifax shows 30 day late 3/03 120 day late 7/03 Charge Off 8/03-Paid Account 0 balance. at least 120 days or four payments late. In response to a Good Will letter they said they would not be pursuiong further collections although I still owed money to them, and they would not stop reporing this. 4) Sears shows was 120 days past due to Experian, prior some where prior to 10/2003 Other CRA's listed are fine 5) Cingular only listed under TransUnion now and shows Settled less than full balance Payment after charge off/collection 6) HouseHold Bank. was reporing me as 120 late at one point, sent a letter they responded saying they would correct the information for the dates after hardship plan but not prior, 120 day lates would still stand and they goofed, all CRA's show 0 lates and no charge off's 7)HSBC Retail. I paid in full in the past, now shows 120 days late 9/2004 with payment after charge off/collection. OC SENT ME A LETTER SAYING THIEY HAVE SENT UPDATED INFO TO CRA'S THAT THIS IS IN ERROR. NO CORRECTIONS HAVE BEEN MADE YET. I have 0 Public Records (No Liens or Garnishments) According to my Credit Summary screen I have 1 Collection Account which I am assuming is that AFNI entry I have been turned down for credit in the last 30 days. One was for a credit line increase from Orchard Bank the second was for a Bank Of American card I received a solitation from. I was turned down for BOA after I received the letter from HSBC Retail saying they would have the CRA's update my data.
According to them, I failed to cancel the service. so thye kept billing me monthly fees According to me they failed to honor my request to cancel the service and I refused to pay the bills I got. Unfortunatly for me I kept telling this verbally and do not have a written record. I settled for one third of what they claim I owed just to get it to go away. I never admitted this was my debt
