OK, I finally got all 3 reports (after 2 months!) Gonna start w/EXP #1 ASSET ACCEPTANCE CORP OC: CONSECO FINANCE see #2 ON RECORD TIL: 5/05 OPEN: 5/02 STATUS DATE: 5/02 TYPE: INSTALLMENT RESPONSIBILITY: JOINT ORIGINAL AMT/LIMIT: 28810 STATUS: CANNOT LOCATE INDIVIDUAL #2 CONSECOFIN ON RECORD TIL: 11/04 OPEN: 8/96 REPORTED: 3/98 STATUS DATE: 3/98 LAST REPORT: 3/01 TYPE: INSTALLMENT RESPONSIBILITY: INDIVIDUAL ORIGINAL AMT/LIMIT: 20958 BALANCE: 20958 AS OF 3/01 STATUS: REPOSESSION #3 PROVIDIAN FINANCIAL ON RECORD TIL: 2/06 OPEN: 3/98 REPORTED: 3/98 STATUS DATE: 2/99 LAST REPORT: 6/02 TYPE: REVOLVING RESPONSIBILITY: INDIVIDUAL HIGH BALANCE: 716 BALANCE 716 AS OF 6/02 STATUS: CHARGED OFF/CURRENT, WAS PAST DUE 90 DAYS. $716 WRITTEN OFF. $713 PAST DUE AS OF 6/02. OK, I figure I wait for Asset to contact me, (can't be too long now) as they have bought the debt from Conseco?? But no balance? Should I go for validation then? Conseco is reporting the account as individual, it was Joint as reported by Asset. Should I try to get this updated? Should I not stir up the waters here? (No judgement as far as I know). And WTH is up with the Providian status? Did they charge it off, did they write it off, or is it current? (Don't they need to pick one?) So, to all you experts out there. Where do I start. Myst btw, I now live in Cali, debts were incurred in Ohio. Repo was a mobile home bought with roommate.
California is pretty SOL and debtor friendly. I am not sure what is up with that Providian listing. Do you have a current CAL address on your report? I would dispute them all with the CRA's. Those that don't get deleted, I would validate. -Peace, Dave
Yes, current address is Cali. I am trying to get old addresses deleted first. But that repo is a biggie, don't want to wake them up on it, but it IS reported inaccurately, no?
