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CR IS OUT FOR ALL TOO SEE PLEASE HELP!!!!!

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Anonymous
Not applicable

CR IS OUT FOR ALL TOO SEE PLEASE HELP!!!!!

Last Reported Dec 31, 2014 ( should i do a PFD?)
Account Type Credit Card
Account Status Closed - Derogatory
Opened Date Jan 30, 2006
Closed Date Jan 31, 2008
Limit $250
Term --
Monthly Payment $0
Responsibility Individual
Balance $1,438
Highest Balance $1,476
Payment Status Collection/Charge-Off
Worst Payment Status Unknown
Date of Last Payment Dec 30, 2009
Amount Past Due $1,438
Times 30/60/90 Days Late 0/0/0
Remarks Charged off as bad debt
Canceled by credit grantor

Last Reported Mar 31, 2012 ( do student loans fall off?) ( ive got quite a few that are at 7yrs or older)
Account Type Student
Account Status Closed
Opened Date Aug 17, 2007
Closed Date Mar 31, 2012
Limit --
Term 120 Months
Monthly Payment $51
Responsibility Individual
Balance $0
Highest Balance $3,577
Payment Status 120-149 Days Late
Worst Payment Status 120-149 Days Late
Date of Last Payment --
Amount Past Due $0
Times 30/60/90 Days Late 0/1/9
Remarks Government secured guarantee

Last Reported Jan 25, 2013 ( this account is actually my ex's, has one late pymnt and shows up twice on my credit report, per each credit report? why?) and what should i do?)
Account Type Charge Account
Account Status Open
Opened Date Nov 03, 2010
Closed Date --
Limit $380
Term --
Monthly Payment $0
Responsibility Authorized User
Balance $0
Highest Balance $430
Payment Status Current
Worst Payment Status 30-59 Days Late
Date of Last Payment Jan 09, 2013
Amount Past Due $0
Times 30/60/90 Days Late 1/0/0
Remarks --

Last Reported Sep 30, 2008 ( do i pfd or ?)
Account Type Unsecured Loan
Account Status Closed - Derogatory
Opened Date Apr 04, 2008
Closed Date Sep 30, 2008
Limit --
Term 6 Months
Monthly Payment $64
Responsibility Individual
Balance $384
Highest Balance $384
Payment Status Collection/Charge-Off
Worst Payment Status Unknown
Date of Last Payment Sep 04, 2008
Amount Past Due $276
Times 30/60/90 Days Late 0/0/0
Remarks Charged off as bad debt
Profit and loss write-off

Last Reported Dec 31, 2014 ( pfd or ?)
Account Type Note Loan
Account Status Closed - Derogatory
Opened Date Apr 08, 2008
Closed Date Nov 30, 2008
Limit --
Term 6 Months
Monthly Payment $64
Responsibility Individual
Balance $323
Highest Balance $384
Payment Status Collection/Charge-Off
Worst Payment Status Unknown
Date of Last Payment Jul 14, 2008
Amount Past Due $732
Times 30/60/90 Days Late 0/0/0
Remarks Charged off as bad debt
Profit and loss write-off

Last Reported Oct 20, 2012 (this account has been pd in full, they said i would have to wait 6-8wks for it to show on my CA?)
Status Open
Opened Date Mar 19, 2012
Closed Date --
Responsibility Individual
Balance $135
High Balance $135
Remarks Placed for collection

Last Reported Oct 26, 2014 ( pfd or ? )
Collection Agency ENHANCRCVRCO
Status Open
Opened Date Jan 05, 2010
Closed Date --
Responsibility Individual
Balance $834
High Balance $834
Remarks Placed for collection

now i also have a negative capital one and verizon and i was told by the CA that they have been deleted...so what do i do? your help is greatly appreciated 

Message 1 of 4
3 REPLIES 3
newstart2010
Blogger

Re: CR IS OUT FOR ALL TOO SEE PLEASE HELP!!!!!


@Anonymous wrote:

Last Reported Dec 31, 2014 ( should i do a PFD?)  Yes
Account Type Credit Card
Account Status Closed - Derogatory
Opened Date Jan 30, 2006
Closed Date Jan 31, 2008
Limit $250
Term --
Monthly Payment $0
Responsibility Individual
Balance $1,438
Highest Balance $1,476
Payment Status Collection/Charge-Off
Worst Payment Status Unknown
Date of Last Payment Dec 30, 2009
Amount Past Due $1,438
Times 30/60/90 Days Late 0/0/0
Remarks Charged off as bad debt
Canceled by credit grantor

Last Reported Mar 31, 2012 ( do student loans fall off?) ( ive got quite a few that are at 7yrs or older)  I believe student loans are 10years
Account Type Student
Account Status Closed
Opened Date Aug 17, 2007
Closed Date Mar 31, 2012
Limit --
Term 120 Months
Monthly Payment $51
Responsibility Individual
Balance $0
Highest Balance $3,577
Payment Status 120-149 Days Late
Worst Payment Status 120-149 Days Late
Date of Last Payment --
Amount Past Due $0
Times 30/60/90 Days Late 0/1/9
Remarks Government secured guarantee

Last Reported Jan 25, 2013 ( this account is actually my ex's, has one late pymnt and shows up twice on my credit report, per each credit report? why?) and what should i do?)  contact the credit reporting agencies and explain this to them and that it is showing up twice
Account Type Charge Account
Account Status Open
Opened Date Nov 03, 2010
Closed Date --
Limit $380
Term --
Monthly Payment $0
Responsibility Authorized User
Balance $0
Highest Balance $430
Payment Status Current
Worst Payment Status 30-59 Days Late
Date of Last Payment Jan 09, 2013
Amount Past Due $0
Times 30/60/90 Days Late 1/0/0
Remarks --

Last Reported Sep 30, 2008 ( do i pfd or ?)
Account Type Unsecured Loan
Account Status Closed - Derogatory
Opened Date Apr 04, 2008
Closed Date Sep 30, 2008
Limit --
Term 6 Months
Monthly Payment $64
Responsibility Individual
Balance $384
Highest Balance $384
Payment Status Collection/Charge-Off
Worst Payment Status Unknown
Date of Last Payment Sep 04, 2008
Amount Past Due $276
Times 30/60/90 Days Late 0/0/0
Remarks Charged off as bad debt
Profit and loss write-off

Last Reported Dec 31, 2014 ( pfd or ?)  PFD
Account Type Note Loan
Account Status Closed - Derogatory
Opened Date Apr 08, 2008
Closed Date Nov 30, 2008
Limit --
Term 6 Months
Monthly Payment $64
Responsibility Individual
Balance $323
Highest Balance $384
Payment Status Collection/Charge-Off
Worst Payment Status Unknown
Date of Last Payment Jul 14, 2008
Amount Past Due $732
Times 30/60/90 Days Late 0/0/0
Remarks Charged off as bad debt
Profit and loss write-off

Last Reported Oct 20, 2012 (this account has been pd in full, they said i would have to wait 6-8wks for it to show on my CA?)  Did you PFD?
Status Open
Opened Date Mar 19, 2012
Closed Date --
Responsibility Individual
Balance $135
High Balance $135
Remarks Placed for collection

Last Reported Oct 26, 2014 ( pfd or ? )  PFD
Collection Agency ENHANCRCVRCO
Status Open
Opened Date Jan 05, 2010
Closed Date --
Responsibility Individual
Balance $834
High Balance $834
Remarks Placed for collection

now i also have a negative capital one and verizon and i was told by the CA that they have been deleted...so what do i do? your help is greatly appreciated 


 

 

The collection agency told you your accounts were deleted?  What were their reasons?

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Message 2 of 4
Anonymous
Not applicable

Re: CR IS OUT FOR ALL TOO SEE PLEASE HELP!!!!!

clgonzalez05 wrote:
Last Reported Dec 31, 2014 ( should i do a PFD?) Yes  (ok)
Account Type Credit Card
Account Status Closed - Derogatory
Opened Date Jan 30, 2006
Closed Date Jan 31, 2008
Limit $250
Term --
Monthly Payment $0
Responsibility Individual
Balance $1,438
Highest Balance $1,476
Payment Status Collection/Charge-Off
Worst Payment Status Unknown
Date of Last Payment Dec 30, 2009
Amount Past Due $1,438
Times 30/60/90 Days Late 0/0/0
Remarks Charged off as bad debt
Canceled by credit grantor

Last Reported Mar 31, 2012 ( do student loans fall off?) ( ive got quite a few that are at 7yrs or older) I believe student loans are 10years
Account Type Student
Account Status Closed
Opened Date Aug 17, 2007
Closed Date Mar 31, 2012
Limit --
Term 120 Months
Monthly Payment $51
Responsibility Individual
Balance $0
Highest Balance $3,577
Payment Status 120-149 Days Late
Worst Payment Status 120-149 Days Late
Date of Last Payment --
Amount Past Due $0
Times 30/60/90 Days Late 0/1/9
Remarks Government secured guarantee

Last Reported Jan 25, 2013 ( this account is actually my ex's, has one late pymnt and shows up twice on my credit report, per each credit report? why?) and what should i do?) contact the credit reporting agencies and explain this to them and that it is showing up twice ( ok i will def do that)
Account Type Charge Account
Account Status Open
Opened Date Nov 03, 2010
Closed Date --
Limit $380
Term --
Monthly Payment $0
Responsibility Authorized User
Balance $0
Highest Balance $430
Payment Status Current
Worst Payment Status 30-59 Days Late
Date of Last Payment Jan 09, 2013
Amount Past Due $0
Times 30/60/90 Days Late 1/0/0
Remarks --

Last Reported Sep 30, 2008 ( do i pfd or ?) (what about this one?)
Account Type Unsecured Loan
Account Status Closed - Derogatory
Opened Date Apr 04, 2008
Closed Date Sep 30, 2008
Limit --
Term 6 Months
Monthly Payment $64
Responsibility Individual
Balance $384
Highest Balance $384
Payment Status Collection/Charge-Off
Worst Payment Status Unknown
Date of Last Payment Sep 04, 2008
Amount Past Due $276
Times 30/60/90 Days Late 0/0/0
Remarks Charged off as bad debt
Profit and loss write-off

Last Reported Dec 31, 2014 ( pfd or ?) PFD
Account Type Note Loan
Account Status Closed - Derogatory
Opened Date Apr 08, 2008
Closed Date Nov 30, 2008
Limit --
Term 6 Months
Monthly Payment $64
Responsibility Individual
Balance $323
Highest Balance $384
Payment Status Collection/Charge-Off
Worst Payment Status Unknown
Date of Last Payment Jul 14, 2008
Amount Past Due $732
Times 30/60/90 Days Late 0/0/0
Remarks Charged off as bad debt
Profit and loss write-off

Last Reported Oct 20, 2012 (this account has been pd in full, they said i would have to wait 6-8wks for it to show on my CA?) Did you PFD? ( i called and they emailed the info to me, it says wait 6-8wks in the email and that the account was paid in full)
Status Open
Opened Date Mar 19, 2012
Closed Date --
Responsibility Individual
Balance $135
High Balance $135
Remarks Placed for collection

Last Reported Oct 26, 2014 ( pfd or ? ) PFD
Collection Agency ENHANCRCVRCO
Status Open
Opened Date Jan 05, 2010
Closed Date --
Responsibility Individual
Balance $834
High Balance $834
Remarks Placed for collection

now i also have a negative capital one and verizon and i was told by the CA that they have been deleted...so what do i do? your help is greatly appreciated


The collection agency told you your accounts were deleted? What were their reasons? (they told me that the accounts were too old to collect on, that coming from a supervisor of the CA) 

Message 3 of 4
Pway
Valued Contributor

Re: CR IS OUT FOR ALL TOO SEE PLEASE HELP!!!!!


@Anonymous wrote:

Last Reported Dec 31, 2014 ( should i do a PFD?)  Yes I would try and do a PFD on this account. 
Account Type Credit Card
Account Status Closed - Derogatory
Opened Date Jan 30, 2006
Closed Date Jan 31, 2008
Limit $250
Term --
Monthly Payment $0
Responsibility Individual
Balance $1,438
Highest Balance $1,476
Payment Status Collection/Charge-Off
Worst Payment Status Unknown
Date of Last Payment Dec 30, 2009
Amount Past Due $1,438
Times 30/60/90 Days Late 0/0/0
Remarks Charged off as bad debt
Canceled by credit grantor

Last Reported Mar 31, 2012 ( do student loans fall off?) ( ive got quite a few that are at 7yrs or older)  Yes they do fall off but I believe they have to be paid in full for them to fall off your reports after they have been paid in full.
Account Type Student
Account Status Closed
Opened Date Aug 17, 2007
Closed Date Mar 31, 2012
Limit --
Term 120 Months
Monthly Payment $51
Responsibility Individual
Balance $0
Highest Balance $3,577
Payment Status 120-149 Days Late
Worst Payment Status 120-149 Days Late
Date of Last Payment --
Amount Past Due $0
Times 30/60/90 Days Late 0/1/9
Remarks Government secured guarantee

Last Reported Jan 25, 2013 ( this account is actually my ex's, has one late pymnt and shows up twice on my credit report, per each credit report? why?) and what should i do?)  You was an authorized user on this account, you can actually have this account removed.  Contact the creditor or file an dispute with the CB.
Account Type Charge Account
Account Status Open
Opened Date Nov 03, 2010
Closed Date --
Limit $380
Term --
Monthly Payment $0
Responsibility Authorized User
Balance $0
Highest Balance $430
Payment Status Current
Worst Payment Status 30-59 Days Late
Date of Last Payment Jan 09, 2013
Amount Past Due $0
Times 30/60/90 Days Late 1/0/0
Remarks --

Last Reported Sep 30, 2008 ( do i pfd or ?)  SOL on this account has expired, it should fall off your report in September, contacting them will start your SOL over again.
Account Type Unsecured Loan
Account Status Closed - Derogatory
Opened Date Apr 04, 2008
Closed Date Sep 30, 2008
Limit --
Term 6 Months
Monthly Payment $64
Responsibility Individual
Balance $384
Highest Balance $384
Payment Status Collection/Charge-Off
Worst Payment Status Unknown
Date of Last Payment Sep 04, 2008
Amount Past Due $276
Times 30/60/90 Days Late 0/0/0
Remarks Charged off as bad debt
Profit and loss write-off

Last Reported Dec 31, 2014 ( pfd or ?)  SOL on this account has expired, I would just let it fall off your reports when it time.
Account Type Note Loan
Account Status Closed - Derogatory
Opened Date Apr 08, 2008
Closed Date Nov 30, 2008
Limit --
Term 6 Months
Monthly Payment $64
Responsibility Individual
Balance $323
Highest Balance $384
Payment Status Collection/Charge-Off
Worst Payment Status Unknown
Date of Last Payment Jul 14, 2008
Amount Past Due $732
Times 30/60/90 Days Late 0/0/0
Remarks Charged off as bad debt
Profit and loss write-off

Last Reported Oct 20, 2012 (this account has been pd in full, they said i would have to wait 6-8wks for it to show on my CA?)
Status Open
Opened Date Mar 19, 2012
Closed Date --
Responsibility Individual
Balance $135
High Balance $135
Remarks Placed for collection

Last Reported Oct 26, 2014 ( pfd or ? )  PFD
Collection Agency ENHANCRCVRCO
Status Open
Opened Date Jan 05, 2010
Closed Date --
Responsibility Individual
Balance $834
High Balance $834
Remarks Placed for collection

now i also have a negative capital one and verizon and i was told by the CA that they have been deleted...so what do i do? your help is greatly appreciated 


 

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 4 of 4
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