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Established Contributor
kobe2012
Posts: 691
Registered: ‎03-16-2012
0

Re: Help!!!

 
 
Alert dateDetails
NORTHERN RESOLUTION GROUP, LLC
(XXXXXXXXXXXX0600)
    Opened: 8/2012  
Balance:$1,230Credit limit or largest balance:Not Reported
Past due:$1,230Payment terms:Not Reported
Status:At least 120 days or more than four payments past dueFirst reported:9/1/2012
Portfolio type:Open Account  
Description:Customer unable to locate consumer Collection account
I am so confused with the "portfolio type and description" what does these mean?
 
 

Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Established Contributor
calihlove75
Posts: 788
Registered: ‎05-16-2012
0

Re: Help!!!


kobe2012 wrote:
 
 
Alert dateDetails
NORTHERN RESOLUTION GROUP, LLC
(XXXXXXXXXXXX0600)
    Opened: 8/2012  
Balance:$1,230Credit limit or largest balance:Not Reported
Past due:$1,230Payment terms:Not Reported
Status:At least 120 days or more than four payments past dueFirst reported:9/1/2012
Portfolio type:Open Account  
Description:Customer unable to locate consumer Collection account
I am so confused with the "portfolio type and description" what does these mean?
 
 

I think its some kind of skiptracing lingo. I think it means they cannot find you. If you correspond with them I bet that memo would change to customer has located consumer. I guess they are the customer and you the consumer.


100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Established Contributor
calihlove75
Posts: 788
Registered: ‎05-16-2012
0

Re: Help!!! Edited my response

[ Edited ]

kobe2012 wrote:
 
 
Alert dateDetails
NORTHERN RESOLUTION GROUP, LLC
(XXXXXXXXXXXX0600)
    Opened: 8/2012  
Balance:$1,230Credit limit or largest balance:Not Reported
Past due:$1,230Payment terms:Not Reported
Status:At least 120 days or more than four payments past dueFirst reported:9/1/2012
Portfolio type:Open Account  
Description:Customer unable to locate consumer Collection account
I am so confused with the "portfolio type and description" what does these mean?
 
 

Start by disputing just with the CRA. If they cannot find someone..how can it be verified? I looked up them on the BBB and they have a F rating. They look like they are a collection agency that collects on behalf of a payday loan. File a BBB complaint.


100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Established Contributor
kobe2012
Posts: 691
Registered: ‎03-16-2012
0

Re: Help!!! Edited my response


calihlove75 wrote:

kobe2012 wrote:
 
 
Alert dateDetails
NORTHERN RESOLUTION GROUP, LLC
(XXXXXXXXXXXX0600)
    Opened: 8/2012  
Balance:$1,230Credit limit or largest balance:Not Reported
Past due:$1,230Payment terms:Not Reported
Status:At least 120 days or more than four payments past dueFirst reported:9/1/2012
Portfolio type:Open Account  
Description:Customer unable to locate consumer Collection account
I am so confused with the "portfolio type and description" what does these mean?
 
 

Start by disputing just with the CRA. If they cannot find someone..how can it be verified? I looked up them on the BBB and they have a F rating. They look like they are a collection agency that collects on behalf of a payday loan. File a BBB complaint . I read a few complaints and they got the negative marks deleted. They seem shady


exactly what I was thinking.... it's only on my EQ so far... i disputed it yesterday but it's just so odd that they reported without being able to locate my collection account... am hoping to get this resolved asap... =/


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Established Contributor
calihlove75
Posts: 788
Registered: ‎05-16-2012
0

Re: Help!!! Edited my response

And it is possible that they only reported on that one bureau. My last collection had been reported only on equifax, apparently it had been on my report since 2007 but I never cared to look at my reports. As soon as I saw it I had to fight for 6 months for its removal and that was only after dragging the original creditor into the mess, BBB complaint, etc. It turned out to be a valid debt that happen during Hurricane Katrina. I ended up paying and the original creditor instructed the collection agency to delete.


100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Established Contributor
kobe2012
Posts: 691
Registered: ‎03-16-2012
0

Re: Help!!! Edited my response

It finally reported on TU ...so i have this new collection reporting on TU and EQ :smileyfrustrated: .... I lost 20-25 points .... This sux cause.... Im hoping it won't be hard to deal with these people.... It's so frustrating cause this was a very old debt.... Would this affect my CLIs with my GE cards???


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Help!!! Edited my response


kobe2012 wrote:

It finally reported on TU ...so i have this new collection reporting on TU and EQ :smileyfrustrated: .... I lost 20-25 points .... This sux cause.... Im hoping it won't be hard to deal with these people.... It's so frustrating cause this was a very old debt.... Would this affect my CLIs with my GE cards???


Yes, until it is removed.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
kobe2012
Posts: 691
Registered: ‎03-16-2012
0

Re: Help!!! Edited my response


LS2982 wrote:

kobe2012 wrote:

It finally reported on TU ...so i have this new collection reporting on TU and EQ :smileyfrustrated: .... I lost 20-25 points .... This sux cause.... Im hoping it won't be hard to deal with these people.... It's so frustrating cause this was a very old debt.... Would this affect my CLIs with my GE cards???


Yes, until it is removed.

 


Well, that just sucks cause i was hoping i would get increases for the holidays..... I hope i clean up this mess soon :smileysad:


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Help!!! Edited my response


kobe2012 wrote:

LS2982 wrote:

kobe2012 wrote:

It finally reported on TU ...so i have this new collection reporting on TU and EQ :smileyfrustrated: .... I lost 20-25 points .... This sux cause.... Im hoping it won't be hard to deal with these people.... It's so frustrating cause this was a very old debt.... Would this affect my CLIs with my GE cards???


Yes, until it is removed.

 


Well, that just sucks cause i was hoping i would get increases for the holidays..... I hope i clean up this mess soon :smileysad:


Do you know what this collection is for?? Is it legit??

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
kobe2012
Posts: 691
Registered: ‎03-16-2012
0

Re: Help!!! Edited my response


LS2982 wrote:

kobe2012 wrote:

LS2982 wrote:

kobe2012 wrote:

It finally reported on TU ...so i have this new collection reporting on TU and EQ :smileyfrustrated: .... I lost 20-25 points .... This sux cause.... Im hoping it won't be hard to deal with these people.... It's so frustrating cause this was a very old debt.... Would this affect my CLIs with my GE cards???


Yes, until it is removed.

 


Well, that just sucks cause i was hoping i would get increases for the holidays..... I hope i clean up this mess soon :smileysad:


Do you know what this collection is for?? Is it legit??

 


I think it is from an hsbc account that was sold to National Credit Adjusters and now this CA sold it to this new CA... Its almost a 5 yr old debt.... I wished they wouldve contacted me before reporting... 

 


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk




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