New Plan of attack

[blauthsp]

If anyone could do a quick review of my account and give me some insight I would greatly appreciate it.

Capital One

Opened: 11/05

Status: Charge Off

Balance: $779

Activity:  Sent PFD letters with no response

NCO Financial

Opened:  Says 03/07 on my credit report but the Bank of America account was opened up in 2002.

Status: In Collection

Balance: $365

Activity: Sent PFD letters with no response

SKO BREN AM (Primus Telecom Collection)

Opened: 10/06

Balance: $183

Status: In Collection

Activity:  Nothing as of yet, I’m not really sure what this one is(its only reported to TU)

CITI AUTO

Opened: 07/07

Balance: $20737

Status: Never Late / Current

Activity:  Enrolled in automatic bill-pay

CITIZENS NTL BANK

Opened: 07/02

Balance: 0

Status: Never Late/Paid off

Activity: Car note paid off in 6 months

NUVELL CREDIT

Opened: 06/06

Balance: 0

Status: Never Late / Paid off

Activity:  Car note paid off in 13mo

Sallie Mae

Opened: 5 accounts opened inbetween 03-05 (Student Loans)

Balance: around $13,000

Status: 

Loan #1 – Paid off with no lates

Loan # 2 – Balance $1750   19 90-day lates

Loan #3 – Balance $2500 10 90-day lates

Loan #4 – Transferred/Paid off 10 90-day lates

Loan #5 – Transferred/Paid off 10 90-day lates

Loan #4 & #5 balances were transferred to a new Sallie Mae account which hold my remaining loan balances and has been paid on-time for the past 8 months.

I have also currently applied and obtained a Secure Orchard Bank card with a $200 Credit limit.

Thanks!

[blauthsp]

Should a CRA be running my credit?  I have 3 inquiries...

[Anonymous]

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blauthsp wrote:

Should a CRA be running my credit?  I have 3 inquiries...

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Doesn't happen to be Equifax Mortgage/Real Estate is it?

[azsassycat]

 - - - Doesn't happen to be Equifax Mortgage/Real Estate is it?

I have a inquiry on my CR for Equifax Mortgage/Real Estate - who is this?

[blauthsp]

It's not them... its NCO Financial...

[Anonymous]

what are the CO date (DOFD) with cap1 & BOA??

[blauthsp]

BOA = 07/05

CAP1 = 07/06

[Anonymous]

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azsassycat wrote:

I have a inquiry on my CR for Equifax Mortgage/Real Estate - who is this?

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I'm still trying to figure that out. I have three inquires from them. I just send them a dispute letter a couple days ago.

[blauthsp]

Where can I dispute online?

[blauthsp]

Alright here is the letter I received back from NCO financial after sending them a PDF letter. Can someone please decipher this for me.

"

Dear _____________:

Thank you for your recent inquiry regarding the above-referenced account. This
letter is being sent pursuant to

your specific request. In review of your recent correspondence, please be
advised that we have contacted the

credit bureaus, with which we do business, with our request to delete our
listing of the above-referenced account

for the social security number we have listed in our records. NCO Financial
Systems, Inc. cannot effect a change

to how any other company or entity may have listed the account on your credit
profile.

While we have complied with federal law, factors beyond our control may prohibit
us from confirming or

denying the presence of inaccurate information within the time frame prescribed
by state law. We may not

have sufficient time to complete an investigation of the alleged inaccuracy.

Please forward payment in full on the above account to NCO Financial Systems,
Inc., P.O. Box 17080,

Wilmington, DE 19850. If you have any questions regarding the account, please
contact 1- 888-251-5443.

We appreciate the opportunity to respond to your inquiry.

REPS Signature here

This is an attempt to collect a debt. Any information obtained will be used for
that purpose. This is a

communication from a debt collector.

Calls to or from NCO Financial Systems, Inc. may be monitored or recorded for
quality assurance.

"