05-16-2012 05:19 PM
05-16-2012 07:50 PM
05-17-2012 05:48 AM
The diffrent account says: Pay status Account 120 Days Past Due,still shows a balance.It doesn't say collection anywhere,it says close by credit grantor.It's the same creditor.From what i can see and understand base on my little knowledge,(thanks to the forum .) is like there's 2 accounts for the same debt,but the account number is diffrent and AFAIK i only had 1 credit card with them,why it doesn't show a 0 balance in the 2? I'm about to call them,but i don't like to deal with mean people,sighs.Thanks in advance.
05-18-2012 04:14 AM
IME, it's better to deal with the OC. As said before,disputing with the CRA would be your last resort.
Changing the CO to report PIF is great for you score wise. May I ask .... What the name of the CCC?
Just the OC the account reporting PIF is correct and if they would delete the other one with the wrong info.
Good Luck to you and let us know, how it all works out for you.
05-18-2012 05:39 AM
Hi Lightn, the name od the ccc is Virginia Credit Union,they are the OC,i called them and their response was dispute it tru the CRAs or send them my reports so they can see,huh? ugh! I guess i have no choice but to dispute tru the CRAs,i will keep ya post it.
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