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Could someone take a look at this and tell me what this means???

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2BFREE25
Valued Member

Could someone take a look at this and tell me what this means???

Could someone take a look at this and tell me what this means???

Account Number:30XXXXXX 

Current Status: PAYS AS AGREED 

Account Owner: Individual Account. 
High Credit: $243  
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card.: Revolving
Credit Limit: $100  
Term Duration:  
Terms Frequency: Monthly (due every month) 
Date Opened: 2003/12 
Balance: $0  
Date Reported: 05/2008 
Amount Past Due: $0 
Date of Last Payment: 10/2004 
Actual Payment Amount: $10  
Scheduled Payment Amount: $0  
Date of Last Activity: 10/2004 
Date Major Delinquency First Reported:  
Months Reviewed: 52 
Creditor Classification:  
Activity Description: Transfer/Sold 
Charge Off Amount: $0  
Deferred Payment Start Date:  
Balloon Payment Amount: $0  
Balloon Payment Date:  
Date Closed:  
Type of Loan: Charge Account 
Date of First Delinquency: N/A Comments:  
Starting -
EQ: 505
TU: 528
EX: 503
- Short term goal: 560
- Long term goal: 750
Message 1 of 12
11 REPLIES 11
guiness56
Epic Contributor

Re: Could someone take a look at this and tell me what this means???

Could someone take a look at this and tell me what this means???

Account Number:30XXXXXX 

Current Status: PAYS AS AGREED   This means account in good standing, which is good

Account Owner: Individual Account. 
High Credit: $243  
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card.: Revolving
Credit Limit: $100  
Term Duration:  
Terms Frequency: Monthly (due every month) 
Date Opened: 2003/12 
Balance: $0  
Date Reported: 05/2008 
Amount Past Due: $0 
Date of Last Payment: 10/2004 
Actual Payment Amount: $10  
Scheduled Payment Amount: $0  
Date of Last Activity: 10/2004 
Date Major Delinquency First Reported:  
Months Reviewed: 52 
Creditor Classification:  
Activity Description: Transfer/Sold    Sold to someone else
Charge Off Amount: $0  
Deferred Payment Start Date:  
Balloon Payment Amount: $0  
Balloon Payment Date:  
Date Closed:  
Type of Loan: Charge Account 
Date of First Delinquency: N/A Comments:  
 
This is a good account, no lates, no derogatory comments.  Been opened since Dec 03.
 


Message Edited by guiness56 on 06-06-2008 02:57 PM
Message 2 of 12
2BFREE25
Valued Member

Re: Could someone take a look at this and tell me what this means???

I have three entries like this. They are all reporting as negative accounts. How do I find out who they were sold to?
Starting -
EQ: 505
TU: 528
EX: 503
- Short term goal: 560
- Long term goal: 750
Message 3 of 12
BungalowMo
Senior Contributor

Re: Could someone take a look at this and tell me what this means???

Are these 3 entries on 3 reports, or one report has 3 of these?
BK 7 discharge 06.24.2020 No Fico score at all. Smiley Sad
Message 4 of 12
2BFREE25
Valued Member

Re: Could someone take a look at this and tell me what this means???

My EQ has three of these.
Starting -
EQ: 505
TU: 528
EX: 503
- Short term goal: 560
- Long term goal: 750
Message 5 of 12
BungalowMo
Senior Contributor

Re: Could someone take a look at this and tell me what this means???

Do they all have the same acct #??  I'd (at least) contact EQ about removing two!  I think it's showing as derogatory because you were over the limit for a bit.
That's all I'm seeing wrong with the acct as it's listed.  Maybe try a GW & note to them that there are 3 on EQ listed for the same acct.
BK 7 discharge 06.24.2020 No Fico score at all. Smiley Sad
Message 6 of 12
2BFREE25
Valued Member

Re: Could someone take a look at this and tell me what this means???

No they're three different CC. How can I get these off? If it has been sold, who do I GW?
Starting -
EQ: 505
TU: 528
EX: 503
- Short term goal: 560
- Long term goal: 750
Message 7 of 12
BungalowMo
Senior Contributor

Re: Could someone take a look at this and tell me what this means???

Are they yours? Smiley Sad Or bogus??
BK 7 discharge 06.24.2020 No Fico score at all. Smiley Sad
Message 8 of 12
2BFREE25
Valued Member

Re: Could someone take a look at this and tell me what this means???

They are mine. I sent PFD's and they sent me back a letter saying that they can't delete (they are account with WFNNB). They said I had to contact the issuer (WFNNB). I have sent them numerous PFD with no response. When I checked my EQ today, this is what I found? I was going to just go ahead and pay them so that they show as paid, but this threw me for a loop.
Starting -
EQ: 505
TU: 528
EX: 503
- Short term goal: 560
- Long term goal: 750
Message 9 of 12
guiness56
Epic Contributor

Re: Could someone take a look at this and tell me what this means???

Exactly where on your credit report is it listing these?  There is nothing on this to indicate it is a negative item. 
 
What company is it?
 
Just because you are over the limit does not necessarily mean it would be reported as a negative.
 
If one CR is listing multiples of the same account, from the same person, they need to delete all but one.


Message Edited by guiness56 on 06-06-2008 03:43 PM
Message 10 of 12
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