06-12-2013 03:19 PM
Anyone have Calvary Portfolio show up only on Experian?
They show date opened 2/1/13 and account status is closed. Past due balance.P ayment status states: Seriously past due/assigned to attorney, collection agency, or credit grantors internal collection dept.
This is from a Chase card that was charged off in August 2008 and bought /paid for $165. (seriously makes me cringe knowing how awful these CA's are!)
No one else reported this amount until Feb 2013.
What does closed mean for collection purposes? Did they sell to another collection agency? Or is that just how it reports on Experian?
06-12-2013 03:35 PM
06-12-2013 04:00 PM
Dispute with the CRA's or BBB to get this deleted?
Experian is showing closed on all collection accounts but on TU or EX they are showing a balance and "in Collection".
06-12-2013 04:01 PM
06-12-2013 04:05 PM
If they are no longer collecting or have collection authority, they should delete.
06-12-2013 04:27 PM
For dispute purposes, I am trying to get as many negatives deleted off the credit report as possible.
Unless it is somehow reporting inaccurately, that is not a valid reason. Also against the TOS of the forums.
06-12-2013 04:54 PM
06-12-2013 05:10 PM
I believe i meant to say, in general, Experian is showing unpaid collection accounts as closed (not just for Calvary) but on the TransUnion and Equifax they are showing as "in collections" (aka open?). But Calvary is only showing on Experian, not the other two reports.
So if its showing closed but still with a balance, they should delete bc that means they aren't collecting on it anymore, right?. Unless that is simply the way Experian shows account status's for collection accounts.
Sorry for the confusion or if I confused you even more!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.