Collector LVNVFUNDG Date Open 08-2003 Balance Date 12-2007 Balance Amount $1336 $1336 Date of Status Status At least 120 days or more tha Account seriously past due d Collector LVNVFUNDG Date Open 04-2005 Balance Date 12-2007 Balance Amount $652 $652 Date of Status Status At least 120 days or more tha Account seriously past due d Collector LVNVFUNDG Date Open 11-2003 Balance Date 12-2007 Balance Amount $4410 $4410 Date of Status Status At least 120 days or more tha Account seriously past due d Collector NCO FIN/22 Date Open 05-2007 Balance Date 01-2008 Balance Amount $2441 $2458 Date of Status Status At least 120 days or more tha Account seriously past due d Collector AAC Date Open 01-2007 Balance Date 10-2007 Balance Amount $106 $106 Date of Status Status At least 120 days or more tha Account seriously past due d Ownership Individual Date Open 06-2005 Balance Date 08-2005 Balance Amount $490 Date of Status Status Account seriously past due d Ownership Individual Date Open 06-2005 Balance Date 08-2005 Balance Amount $598 Date of Status Status Account seriously past due d Collector EMERGE MASTERCARD Date Open 06-2005 06-2005 Balance Date 12-2007 Balance Amount $2202 $2237 $2217 Date of Status 11-2007 Status At least 120 days or more tha Account seriously past due d Automated account Collector SPRINT TELECOMM Date Open 12-2005 Balance Date 02-2006 Balance Amount $59 Date of Status 02-2006 Status UNPAID Equifax Experian TransUnion Reported Not Reported Not Reported Collector AFNI-BLOOM Balance Amount $598 Date of Status Status At least 120 days or more tha Collector SPRINT PCS Date Open 12-2006 12-2006 Balance Date 12-2007 12-2007 Balance Amount $59 $59 Date of Status 12-2007 Status UNPAID Account seriously past due d Collector 06 PROGRESSIVE INSURANCE N E Date Open 09-2002 09-2002 Balance Date 01-2008 Balance Amount $412 $412 Date of Status 12-2007 Status Account seriously past due d Automated account Collector SEARS Date Open 11-2003 Balance Date 12-2007 Balance Amount $4410 Date of Status Status UNPAID Collector 12 MONTGOMERY WARD WM FLIP C Ownership Individual Date Open 08-2003 Balance Date 12-2007 Balance Amount $1336 Date of Status Status UNPAID Collector 12 SEARS CITI SEARS Date Open 04-2005 Balance Date 12-2007 Balance Amount $652 Date of Status Status UNPAID Collector ADELPHIA Date Open 10-2002 10-2002 Balance Date 01-2003 Balance Amount $63 $63 Date of Status 01-2003 Status Account seriously past due d Automated account Help CAP 1 BANK Date Open 03-2002 Balance Date 01-2005 01-2005 Balance Amount $3917 $3917 Monthly Payment $130 High/Limit $3382 $3382 Account Status Bad debt; placed for collection; skip Charged off as bad debt Prior Delinquency 01-2003 Past Due Amount $3917 $3917 Equifax [Comment: Charged off account] TransUnion [Comment: Profit and loss writeoff] CAP ONE BK - Credit Card, Terms REV Date Open 03-2002 Balance Date 01-2005 Balance Amount $3917 Monthly Payment $117 High/Limit $4000 Account Status Unpaid balance reported as a loss by credit grantor Prior Delinquency 01-2005 Past Due Amount $3917 CAP ONE BK - Credit Card, Terms REV Balance Date 05-2007 05-2007 05-2007 Balance Amount $0 $0 Monthly Payment High/Limit $1175 $2216 $1175 Account Status Bad debt; placed for collection; skip Account transferred to another office Charged off as bad debt Prior Delinquency 09-2003 04-2007 Past Due Amount $0 Equifax [Comment: Account transferred or sold] CBUSASEARS Balance Date 05-2006 10-2005 05-2006 Balance Amount $0 $0 Monthly Payment High/Limit $250 $250 $300 Account Status Bad debt; placed for collection; skip Account transferred to another office Charged off as bad debt Prior Delinquency 12-2003 03-2005 Past Due Amount $0 Equifax [Comment: Account transferred or sold] CITI AUTO - Auto Loan Balance Date 11-2007 11-2007 07-2004 Balance Amount $0 $0 Monthly Payment High/Limit $8544 $8544 Account Status Repossession Merchandise was taken back by credit grantor; there may be a balance due Repossession Prior Delinquency 06-2004 11-2007 Past Due Amount $1020 $0 Equifax [Comment: Involuntary Repossession] TransUnion [Comment: Repossession] GEMB/JCP - Revolving Charge Account Date Open 04-2001 Balance Date 10-2005 Balance Amount $0 Monthly Payment High/Limit $100 $88 Account Status Bad debt; placed for collection; skip Account transferred to another office Prior Delinquency 09-2003 10-2003 Past Due Amount Equifax [Comment: Account transferred or sold] GEMB/WALMART - Charge Account Date Open 06-2001 Balance Date 12-2007 09-2007 12-2007 Balance Amount $0 Monthly Payment High/Limit $500 $500 Account Status Lost or stolen card Credit card lost or stolen Paid or paying as agreed Prior Delinquency Past Due Amount $0 Equifax [Comment: Charge] TransUnion [Comment: Credit card lost or stolen] Equifax Experian TransUnion Reported Reported Not Reported GEMB/WALMART - Revolving Charge Account Date Open 06-2001 06-2001 Balance Date 09-2003 09-2003 Balance Amount $0 Monthly Payment High/Limit $944 $944 Account Status Account transferred to another office Prior Delinquency Past Due Amount Equifax [Comment: Account transferred or sold] Equifax Experian TransUnion Not Reported Not Reported Reported Date Open 03-2001 Balance Date 05-2001 Balance Amount $510 Monthly Payment $16 High/Limit $600 Account Status Unrated Prior Delinquency Past Due Amount $0 TransUnion [Comment: Credit card lost or stolen] Equifax Experian TransUnion Reported Reported Reported SEARS/CBSD Ownership Individual Individual Individual Date Open 10-2001 10-2001 10-2001 Balance Date 06-2006 10-2005 06-2006 Balance Amount $0 $0 Monthly Payment High/Limit $2700 $2700 $2700 Account Status Bad debt; placed for collection; skip Account transferred to another office Charged off as bad debt Prior Delinquency 10-2003 11-2003 Past Due Amount $0 Equifax [Comment: Account transferred or sold] Experian [Comment: Transferred to another lender] TransUnion [Comment: Purchased by another lender]
Honestly, the best place you could start would be by getting your reports directly from the CRAs. This info is from a trimerge. There is no way to tell from this report if accounts are being reaged or not.
i do have the reports from the cra's i just couldnt copy and paste those.Sorry.So what exactly am I looking for that tells me?
Either a Date of First Delinquency, or a Scheduled Date of Removal, in which you can count backwards from. EQ is pretty good about reporting the DOFD, TU, fairly good at an Estimated Date of Removal, and Experian is hit or miss. You may have to call and ask them the date - they do have it.
thanks So now...Does anyone have any advice on which of these to start with for dispute.I have already disputed incorrect names and addys.
