I first want to say thanks for everyone for their insight on this board. You all rock! Due to acting on posted suggestions, my wife and I both raised our FICO scores by as much as 92 points for mine and 58 for hers, since starting last month. I'll post more info on what we did on a later date.
We have a CC account listed in each CRA. It is Applied Card Bank (via Cross Country Bank). On each CRA, Applied is listed as a charge off, rather than a collection account, but also listed as closed by consumer's request. We have disputed this as "not mine". We never received any notice, letter, or any mailing ever from "Applied Card Bank". EX and EQ verified it last week and TU's results are TBA.
We are pack rats and found the last statement by Cross Country Bank. It is dated in October 2000. We made our last payment two or three months prior, leaving us a balance due of $360. It then went to two CA's until it went to a 3rd: Wolpoff & Abramson in March 2002. They said we owed $777 and offered a settlement of 70%, which we accepted. We sent a cashiers check CMRRR which they signed for. This left a balance of $225. Sure enough, a new CA picked it up the $225 four months later and it continued through 6 other CA's up through late last year. We never disputed this until we did last month through the CRAs. None of the CA's (9 of them) are on the CRAs.
EQ says it was late 16 times with a DOLA of Aug. 01. EX says 29 lates with DOLA of Feb 02 and a last pmt of Apr. 02 (matches cashier's check date). TU says 0 lates with a DOLA of Apr. 2002 and a date closed of Apr 2001. TU also states that this will fall off 12/07 (I don't know what the others say).
Questions: If DOFD is technically 8/2000 and EQ doesn't recognize the last pmt, should I leave it alone? TU is willing to drop it by year's end.
Should I fight it via a DV? If I showed them the settlement letter from W & P and payment, could it get re-aged to Apr. 2002 with a deletion of Apr. 2009?
