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Help!!!

Established Contributor

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: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 21 of 37
Established Contributor

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 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 22 of 37
Established Contributor

Re: Help!!! Edited my response


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 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 23 of 37
Established Contributor

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: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 24 of 37
Established Contributor

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 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 25 of 37
Established Contributor

Re: Help!!! Edited my response

It finally reported on TU ...so i have this new collection reporting on TU and EQ Smiley Frustrated .... 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: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 26 of 37
Mega Contributor

Re: Help!!! Edited my response


kobe2012 wrote:

It finally reported on TU ...so i have this new collection reporting on TU and EQ Smiley Frustrated .... 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.

 




EQ FICO 548 3/3/16
Message 27 of 37
Established Contributor

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 Smiley Frustrated .... 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 Smiley Sad


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 28 of 37
Mega Contributor

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 Smiley Frustrated .... 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 Smiley Sad


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

 




EQ FICO 548 3/3/16
Message 29 of 37
Established Contributor

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 Smiley Frustrated .... 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 Smiley Sad


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: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 30 of 37