CO showing Balance and CA PIF

ktl72455 · ‎01-11-2013

The CA is showing on the Credit report as 00 balance on TU & EQ

But the OC is still showing full balance on EQ

How do I handle this? I PIF the CA ( before I was a member here ...my bad)

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%

Shogun · ‎01-11-2013

I would do a GW to them at first and advise them that it was paid. If they say no, I'd do a direct dispute with the OC. It just wouldn't hurt to try a GW first.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

ktl72455 · ‎01-11-2013

ok Shogun , since I got you here LOL I will ask the next question to save a new post!!

OC shows charge off/collections but still shows balance. Many CA have sent letters and tried to collect, I wont respond to any of them since we dont have 20,000 spare change to pay it.

Since OC is showing balance is it possible to work out something with the, now that we can swing larger payments again? It was a CC. DOFD is Dec 2011 so I am still in SOL and dont want to be sued.

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%

Shogun · ‎01-11-2013

Perhaps I should have dug a little deeper on this one. By the zero balance by the CA I was assuming it was paid. So now I take it this is an unpaid debt. If that is the case, and the OC is reporting a balance, I would contact the OC to see about setting up payment plans. I would even ask for a deal.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.