Congrats on getting debt free, I'm woking on that myself. My UTIL is a bit high, trying to get it all paid down. I have two CC with limits of 500 that are paid, the two that I have to get paid down are CC's with 3500 limits that are at over 2000 balances. I'm making big payments on the two of those each month and using a debit for purchases until they are paid. Nothing has been late in close to 2 years. I'm working on one issue with an OC that is reporting as not being paid, and it was paid in full to a CA in 2005. I have another issue with a Dep of Education loan that was paid in full after default but it is showing as two different entries on my CR. How it shows as paid and 120 days late at the same time is something I'm trying to figure out.
I have a medical bill collection that I sent a check in to two weeks ago to pay off but they haven't recieved it yet, even though they are in the same city, at least when I speak to them they are very polite. I initially contacted them and let them know I had seen the listing on my CR and for them to send a bill to me so I could pay it off, it was only for 320.
Going to have some fun with our old friend Asset Acceptance. I know I shouldn't call a CA, but I'm working overseas and sending letters return receipt is not easy where I am, I also don't want them to have my address here. It was for an account opened in 1987, and on my CR it only shows a listing for Experian, TU and EQ don't show anything on it. I questioned it when it showed a payment in July of 2006, when no payment was made then, and also showing it would be reported until 7/2016. The OC was Castle Credit. It was for a book purchase where I got the merchandise in the mail and seeing it was not what I had ordered, returned the books to the shipper. I wish I had read all of the forums on all of these matters before I called anyone, but when I contacted the OC they had no information at all because it was such an old account. The CA (I'm justl earning all these abbreviations) was rude as hell though. Kept trying to tell me it was a valid debt. The woman I spoke there may have screwed up when I questioned the alleged payment in July of 2006 when she told me the last payment on the account was in Jan of 1989. I questioned her on that, stating that how could it be a valid debt if the last payment on record was in Jan of 89 when the SOL in NC (where the account was opened) was3 or 5 years depending on the type of account? There was an Inquiry by Tate & Kirlin on my TU CR dated 11/10/06. the gentleman I spoke to there was actually polite as well. He stated it had been a skip trace and the account was back at Asset Acceptance. Did a little research on them, saw their ties to each other.
Still working on all of this, will have it cleaned up eventually.
Starting Score: 643