Been awhile since I’ve attempted repair and while I’ve read the newbie section/done searches, I wanted some input on whether I should write the CRAs and try to dispute certain baddies by using a letter to the CRAs that points out wrong info on the TLS (ex., not a data factoring acct, DOFD not provided; never been late; not an installment acct; wrong balance; end of 7 yr reporting period is wrong; etc.). FYI, I live in Calif and believe all are out of SOL for collection purposes. Has anyone tried disputing directly w/CRAs and gotten baddies removed successfully using this method? Pertinent baddies are below.
TU
Original Creditor Baddie Re Baddie #1
HSBC Bank
Loan Type- Credit card
Remark: Purchased by another lender
Balance- 0
Dated updated- 7/04
High Balance- 0
Credit limit- 0
Past Due- 0
Pay status- Charged off as bad debt
Account Type- Revolving Account
Responsibility- Individual account
Dated opened- 8/02
Date closed- 4/04
Date paid- 2/04
Estimated Date that this item will be removed- 9/10
Collection Agency Re Baddie #1
Asset Acceptance
Loan Type- Factoring Company Account
Remark: Placed for collection
Date placed for collection- 7/07
Date updated- 5/08
Original Balance- 1,141
Original Creditor- Household Bank
Past Due- 1,194
Account Type- Open Account
Responsibility- Individual account
Estimated Date that this item will be removed- 12/10
Original Creditor Baddie Re Baddie #2
HSBC Bank
Loan Type- Credit card
Remark: Purchased by another lender
Balance- 0
Dated updated- 1/06
High Balance- 570
Credit limit- 0
Past Due- 0
Pay status- Charged off as bad debt
Account Type- Revolving Account
Responsibility- Individual account
Dated opened- 6/01
Date closed- 4/04
Date paid- 2/04
Estimated Date that this item will be removed- 9/10
Collection Agency Re Baddie #2 (BTW, these people have called my family and advised them of my debts and have called me/threatened to sue even though the debt is SOL for collection purposes- VERY nasty CA)
Coastal Asset Management
Loan Type- Collection Agency Attorney
Remark: Placed for collection
Date placed for collection- 7/07
Date updated- 4/08
Original Balance- 570
Original Creditor- Household Bank
Past Due- 570
Pay Status- Collection Account
Account Type- Open Account
Responsibility- Individual account
Estimated Date that this item will be removed- 2/11
EQ
Original Creditor Baddie Re Baddie #1
HSBC Bank
Current Status- Charge-Off
Account Owner- Individual
High Credit- 0
Type of Account- Revolving
Credit Limit- 0
Date Opened- 8/02
Balance- 0
Date Reported- 6/05
Amount Past Due- 0
Date of Last Payment- 2/04
Actual Payment Amount- 0
Scheduled Payment Amount- 20
Date of Last Activity- NA
Date of Major Delinquency First Reported- (Blank)
Activity Description- Transfer/Sold
Charge Off Amount- 941
Date Closed- 4/04
Type of Loan- Credit Card
Date of First Delinquency- 11/03
Comments- Charged off account
Collection Agency Re Baddie #1
Asset Acceptance
Current Status- (Blank)
Account Owner- Individual
High Credit- 1,141
Type of Account- Open
Credit Limit- 0
Date Opened- N/A
Balance- 1,194
Date Reported- 5/08
Amount Past Due- 1,194
Date of Last Activity- N/A
Actual Payment Amount- 0
Scheduled Payment Amount- 0
Date of Last Activity- NA
Date of Major Delinquency First Reported- 8/07
Activity Description- Transfer/Sold
Charge Off Amount- 0
Date Closed- 4/04
Type of Loan- Factoring Company Account (debt purchase)
Date of First Delinquency- 1/04
Comments- Collection account
Original Creditor Baddie Re Baddie #2
HSBC Bank
Current Status- Charge-Off
Account Owner- Individual
High Credit- 0
Type of Account- Revolving
Credit Limit- 0
Date Opened- 6/01
Balance- 0
Date Reported- 2/06
Amount Past Due- 0
Date of Last Payment- 2/04
Actual Payment Amount- 0
Scheduled Payment Amount- 20
Date of Last Activity- NA
Date of Major Delinquency First Reported- (Blank)
Activity Description- Transfer/Sold
Charge Off Amount- 570
Date Closed- 4/04
Type of Loan- Credit Card
Date of First Delinquency- 11/03
Comments- Charged off account
EX
Original Creditor Baddie Re Baddie #1
HSBC Bank
Account Type- Credit card- revolving terms
Status- Closed
Date open- 8/1/02
Terms- Revolving
High Balance: (Blank)
Limit- 300
Past Due- (Blank)
Payment status- Account transferred to another office
Comments- Transferred to another lender or claim purchased
Collection Agency #1 Re Baddie #1
Asset Acceptance
Account Type- Unknown- credit extension, review, or collection
Status- Closed
Date open- 7/1/07
Balance- 1,194
Terms- 1 month
High Balance- (Blank)
Limit- (Blank)
Past Due- 1,194
Payment status- seriously past due date/assigned to attorney, collection agency, or credit grantor?s internal collection department
Collection Agency #2 Re Baddie #1
Pinnacle Credit Services
Account Type- Unknown- credit extension, review, or collection
Status- Closed
Date open- 12/1/06
Balance- 1,136
Terms- 1 month
High Balance- (Blank)
Limit- (Blank)
Past Due- 1,136
Payment status- seriously past due date/assigned to attorney, collection agency, or credit grantor?s internal collection department
Original Creditor Baddie Re Baddie #2
HSBC Bank
Account Type- Credit card- revolving terms
Status- Closed
Date open- 6/1/01
Terms- Revolving
High Balance: (Blank)
Limit- 300
Past Due- (Blank)
Payment status- Account transferred to another office
Comments- Transferred to another lender or claim purchased
