No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hi All
Can anyone show me how to determine if these are 2 CA's reporting for the same OC or is one the OC and the other a CA?
If they are both CA's for the same account and the oldest shows a "open date" of 8/2005, shouldnt they both be removed due to SOL?
SST/CIGPFICORP
Address:
4315 PICKETT RD
SAINT JOSEPH, MO 64503
(800) 789-8001
Account Number: 2820....
Address Identification Number: 018587.....
Status:
Account charged off. $1,770 written off.
Status Details:
This account is scheduled to continue on record until Feb 2018.
Date Opened:
08/2005
Date of Status:
06/2014
Reported Since:
02/2014
Last Reported Date:
10/2014
Type:
Credit card
Terms:
N/A
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit:
N/A
High Balance:
$1,182
Recent Balance:
$0
Recent Payment:
$0
--------------------------------------------------------------
NCOFIN / SST
Address:
4315 PICKETT RD
SAINT JOSEPH, MO 64503
No phone number available
Account Number:2820....
Original Creditor: PROVIDIAN BANK
Address Identification Number: 018587.....
Status:
Collection account. $1,849 past due as of Sep 2014.
Date Opened:
12/2011
Date of Status:
11/2011
Reported Since:
12/2011
Last Reported Date:
09/2014
Type:
Collection
Terms:
N/A
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit:
$1,182
High Balance:
N/A
Recent Balance:
$1,849
Recent Payment:
$0
Do you not know the approximate time you defaulted on your card?
It looks to me like CIGPFICORP is reporting as OC, since they are listing "Account charged off, $1770 written off". Also they are reporting a 'recent balance' of $0, indicating they have sold the debt. The opened date of 08/2005 would be when the credit card account was first opened - just a couple of months before Providian was purchased by WaMu. Washington Mutual, in turn went belly up in 2008, most of their banking assets being purchased by JP Morgan Chase. From the fall off date of Feb/2018 it would appear you defaulted on the account in mid-2010, is that about right?
Your original Providian credit card would have changed to WaMu shortly after you got it, and then to Chase in 2008 - does that follow your recollections of the account?
WOW no wonder i was confused. Thanks for the explanation!
Google knows all.....
NormanFH,
I also just realized there a 3rd record on the report for the same account, but there is a different account number. Would this one be considered a duplicate?
SST/SYNOVUS
Address:
PO BOX 3997
SAINT JOSEPH, MO 64503
(800) 388-1806 Account Number:
40362......
Address Identification Number: 018587....
Status:
Closed. $1,182 written off.
Date Opened:
08/2005
Date of Status:
08/2014
Reported Since:
08/2007
Last Reported Date:
08/2014
Type:
Credit card
Terms:
N/A
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit:
$1,000
High Balance:
$1,182
Recent Balance:
$0
Recent Payment:
$0
Comment:
Purchased by another lender.
anyone?
Yup, thats a third report of the same item. Copy the pertinant sections of the report, and send it to them (use the address on the credit file), with the instructions to remove the duplicate entry, since by law only the original creditor and the CA with CURRENT collection authority are allowed to report an unpaid debt/collection.
Thanks Again NormanFH
Is it legal for SST/CIGPFICORP to report as the OC?
These three entities are all interconnected/subsidiaries related to NCO Financial. Only they really know 'who is who' regarding OC and collection divisions. LIke I said, send them a letter showing all three reportings and and reference the law saying only the OC and one CA may report a delinquent debt.