Date opened [?]
Jun, 2001
Date of last activity [?] Nov, 2001 Account number [?] XXXXX2312 Largest past balance [?] $11,862 Credit Type [?] Installment Account holder [?] Individual Scheduled payment amount [?] $464Descriptions [?]
- Charged off account
- Auto
No contact information provided by Equifax
Balance [?] Current Status [?] Past Due Amount [?] $11,862 Bad debt/collection $11,862 Seven year payment history [?] 30 days late 0 times 60 days late 0 times 90+ days late 1 time (Nov 2001) Recent payment history [?] 
7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 2000 2001 2002 Legend: 
Not Open 
Currently paid as agreed 
Reposession/Foreclosure
7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 2000 2001 2002 Legend: Not Open Currently paid as agreed Reposession/Foreclosure
Major bady –
Options regarding bad collections above but first the facts it is due to fall of as of Nov. this year (according to 7 yr standard) and DOLP (Nov. 2001) it was open on June 2001. By the way – this car was repossessed because it was a used car and come to found out it was a “lemon” it was completely broken down 2 months after purchase. Anyway, I digressed. Should I:
- write a letter PFD letter – asking for payment options
- write a letter requesting to make payments in exchange for updated report stating that my payments are up to date and on time)
- leave it alone – let it fall off
lastly, the other major things hurting my report –
my oldest ago was opened 8 years ago (by the way it’s the above account) and also my inactive student loan – does that mean if I get the above account removed my score would be lowered more??? or does that mean am better off making choice B above????
secchange wrote:Date opened [?]
Jun, 2001
Date of last activity [?] Nov, 2001 Account number [?] XXXXX2312 Largest past balance [?] $11,862 Credit Type [?] Installment Account holder [?] Individual Scheduled payment amount [?] $464Descriptions [?]
- Charged off account
- Auto
No contact information provided by Equifax
Balance [?] Current Status [?] Past Due Amount [?] $11,862 Bad debt/collection $11,862 Seven year payment history [?] 30 days late 0 times 60 days late 0 times 90+ days late 1 time (Nov 2001) Recent payment history [?]
Major bady –
Options regarding bad collections above but first the facts it is due to fall of as of Nov. this year (according to 7 yr standard) and DOLP (Nov. 2001) it was open on June 2001. By the way – this car was repossessed because it was a used car and come to found out it was a “lemon” it was completely broken down 2 months after purchase. Anyway, I digressed. Should I:
- write a letter PFD letter – asking for payment options
- write a letter requesting to make payments in exchange for updated report stating that my payments are up to date and on time)
- leave it alone – let it fall off
lastly, the other major things hurting my report –
my oldest ago was opened 8 years ago (by the way it’s the above account) and also my inactive student loan – does that mean if I get the above account removed my score would be lowered more??? or does that mean am better off making choice B above????
check your state SOL and thread by NOAH about it