Thanks Happy Days!
Yeah, I could have kicked myself after I saw the list of creditors. I mean, I never would have disputed it had I KNOWN! This should be a lesson to everyone, don't assume! So, how would I find the date of first delinquent? The info I posted is the only info I can see on the TU report. I don't want to push it, and won't contact them, because I am not going to press them and give them anything at all, ya know? I always thought SOL was from date of account closure, so if it is from date of first delinquent, is that like, any delinquent, or first in the string that lead to the charge off? Sorry, I am so new to this.
The fall off in 2007 item...yeah...HSBC RETAIL SERVICES! Which actually IS included in my BK, but not as them, as the CA they sold to. Plus they are reporting that account twice! Like this:
HSBC RETAIL SERVICES #xxxxxx(lots xs there
)9653
POB 15521
WILMINGTON , DE 19805
(800) 695-6950
Balance:
$0
Date Updated:
05/2005
High Balance:
$451
Collateral:
SLDTO SHERMANFINANCIAL
Credit Limit:
$1,600
Past Due:
$0
Pay Status:
>Charged Off as Bad Debt
Account Type:
Revolving Account
Responsibility:
Individual Account
Date Opened:
11/2001
Date Closed:
08/2004
Date Paid:
04/2002
Loan Type: Charge Account
Remark:
Dispute resolved - customer disagrees
Estimated date that this item will be removed: 03/2007
-----------------------------------------------------------------
HSBC BEST BUY #xxxxx9653
POB 15521
WILMINGTON , DE 19805
(302) 327-2000
Balance:
$0
Date Verified:
05/2005
High Balance:
$451
Collateral:
SLDTO SHERMAN FINANCIAL
Credit Limit:
$0
Past Due:
$0
Pay Status:
>Payment After Charge Off/Collection
Account Type:
Revolving Account
Responsibility:
Individual Account
Date Opened:
11/2001
Date Closed:
08/2004
Date Paid:
05/2004
Loan Type: Charge Account
Remark:
Account information disputed by consumer
Estimated date that this item will be removed: 04/2009
____________________________________________________________
Oh, and interesting thing there, the discrepancy with the fall off dates! Not to mention that the CA that was after me for the $451 was Arrow Financial or whatever, and not Sherman.
Yeah, I could have kicked myself after I saw the list of creditors. I mean, I never would have disputed it had I KNOWN! This should be a lesson to everyone, don't assume! So, how would I find the date of first delinquent? The info I posted is the only info I can see on the TU report. I don't want to push it, and won't contact them, because I am not going to press them and give them anything at all, ya know? I always thought SOL was from date of account closure, so if it is from date of first delinquent, is that like, any delinquent, or first in the string that lead to the charge off? Sorry, I am so new to this.
The fall off in 2007 item...yeah...HSBC RETAIL SERVICES! Which actually IS included in my BK, but not as them, as the CA they sold to. Plus they are reporting that account twice! Like this:
HSBC RETAIL SERVICES #xxxxxx(lots xs there
)9653POB 15521
WILMINGTON , DE 19805
(800) 695-6950
Balance:
$0
Date Updated:
05/2005
High Balance:
$451
Collateral:
SLDTO SHERMANFINANCIAL
Credit Limit:
$1,600
Past Due:
$0
Pay Status:
>Charged Off as Bad Debt
Account Type:
Revolving Account
Responsibility:
Individual Account
Date Opened:
11/2001
Date Closed:
08/2004
Date Paid:
04/2002
Loan Type: Charge Account
Remark:
Dispute resolved - customer disagrees
Estimated date that this item will be removed: 03/2007
-----------------------------------------------------------------
HSBC BEST BUY #xxxxx9653
POB 15521
WILMINGTON , DE 19805
(302) 327-2000
Balance:
$0
Date Verified:
05/2005
High Balance:
$451
Collateral:
SLDTO SHERMAN FINANCIAL
Credit Limit:
$0
Past Due:
$0
Pay Status:
>Payment After Charge Off/Collection
Account Type:
Revolving Account
Responsibility:
Individual Account
Date Opened:
11/2001
Date Closed:
08/2004
Date Paid:
05/2004
Loan Type: Charge Account
Remark:
Account information disputed by consumer
Estimated date that this item will be removed: 04/2009
____________________________________________________________
Oh, and interesting thing there, the discrepancy with the fall off dates! Not to mention that the CA that was after me for the $451 was Arrow Financial or whatever, and not Sherman.