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Aac Status as of [?] Jul, 2007 Date opened [?] Not Reported Date of last activity [?] Dec, 2001 Date closed [?] Not Reported Account number [?] Not Reported Loan type [?] Not Reported Largest past balance [?] $1,723 Terms [?] Not Reported Account Type [?] Open Account Account holder [?] Individual Scheduled payment amount [?] $0 Account status [?] Account is Open Descriptions [?] * Collection account No contact information provided by Equifax Balance [?] Current Status [?] Past Due Amount [?] $3,138 120+ days past due $3,138 Seven year payment history [?] 30 days late 0 times 60 days late 0 times 90+ days late 0 times Worst Delinquency [?] None ReportedI'm not even sure where to begin disputing this. I've never had a credit limit anywhere near that amount in the first place, and as I'm looking to finance a car soon, I don't want to wait until December to fight this. Any advice on where to begin with this?
Asset Acceptance Llc Status as of [?] Feb, 2008 Date opened [?] Oct, 2002 Date of last activity [?] Jun, 2004 Date of last payment [?] Not Reported Date closed [?] Not Reported Account number [?] XXXX8579 Loan type [?] Unknown - Credit Extension, Review, Or Collection Credit limit [?] Not Reported Largest past balance [?] Not Reported Terms [?] 1 Month Account Type [?] Installment Account holder [?] Individual Scheduled payment amount [?] Not Reported Account status [?] Account is Open Descriptions [?] None on Record No contact information provided by Experian Balance [?] Current Status [?] Past Due Amount [?] $3,330 Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department $3,330 Seven year payment history [?] 30 days late 0 times 60 days late 0 times 90+ days late 25 times (Feb 2008, Jan 2008, Dec 2007, Nov 2007, Nov 2007, Sep 2007, Aug 2007, Jul 2007, Jun 2007, May 2007, Apr 2007, Mar 2007, Feb 2007, Jan 2007, Dec 2006, Nov 2006, Nov 2006, Sep 2006, Jul 2006, Jun 2006, May 2006, Apr 2006, Mar 2006, Feb 2006, Jan 2006)
gdtobefree wrote:Account as OPEN is a NO NO, They CANNOT report a collection as OPEN for any reason.
aytch wrote:
So I've trying to rebuild my credit, and have managed to raise it a whopping 12 points in a year (admittedly, all I've previously done was make my minimum payments, so I'm getting much more aggressive now about paying down balances), but there's one very big account that I'm sure is putting a lot of hurt on my record:Aac Status as of [?] Jul, 2007 Date opened [?] Not Reported Date of last activity [?] Dec, 2001 Date closed [?] Not Reported Account number [?] Not Reported Loan type [?] Not Reported Largest past balance [?] $1,723 Terms [?] Not Reported Account Type [?] Open Account Account holder [?] Individual Scheduled payment amount [?] $0 Account status [?] Account is Open Descriptions [?] * Collection account No contact information provided by Equifax Balance [?] Current Status [?] Past Due Amount [?] $3,138 120+ days past due $3,138 Seven year payment history [?] 30 days late 0 times 60 days late 0 times 90+ days late 0 times Worst Delinquency [?] None ReportedI'm not even sure where to begin disputing this. I've never had a credit limit anywhere near that amount in the first place, and as I'm looking to finance a car soon, I don't want to wait until December to fight this. Any advice on where to begin with this?
Message Edited by aytch on 02-26-2008 08:00 AM