Thank you in advanced for giving feedback to any of the following situations.
1. I paid a First Priemer Collections (for less than...) in 11/07. I thought it would come off my CR. This was before I ever came to these forums. Well, as you know, it sits on all 3 reports and the CA says they will not remove it. It says date of first deliquency is 6/06. It says report date is 2/08. Is it that since I paid it, they are allowed to change the report date?
2. I have another First Priemer that was included in bankruptcy. Early this year it was not reporting as such. This account is from 01 and was included in an 9/03 bankruptcy. I disputed it thinking that it would just fall off my CRs. Instead it now says report date 3/08 and included in bankrupcy. It does not have a fall off date or date of first deliquency. It only includes a date for first MAJOR deliquency of 6/03. What does this new reporting information mean? Did I mess up by having the status changed to included in bankruptcy? I thought it would fall off. None of my other accounts that were included in my bankruptcy show on Equifax. It is only on Equifax that there is even an account history documented passed 12/07.
3. Midland Madness: Should I bother with them since I still have 3 more years in SOL? Supposedly, this is for and Aspire FDOD is 8/05. Equifax says my date of last payment is 9/06. This I doubt! Equifax and TU are reporting it as an open account. Ex reports it as a closed account. Last month Equifax was reporting it as a revolving account. Now it says collections.
I am unclear with reporting. I thought that a company had 90 days from DOFD to start reporting. Should all of this be reporting as if it is all new information? How does this affect me?
4. I have a $69.00 collections from Escallate. I have spoken to them (not claiming it as mine), spoken with the original creditor stating that I would pay it just to rid myself of it. They will not budge in terms of removing it. Should I just pay it anyway?
