I HAVE WORKED SO HARD AND NOW THIS......
I had a RETURNED CHECK from a checking account that I closed out last year and another RETURNED CHECK from an account they say in 2001. The 2001 as you can see below is reporting as OPENED 02/01/2008.
I paid Secure Check months back after I saw the one (#834) hit TU and wasn't aware of it for the first one. After payment it was reported to EX and EQ.
The JULY 11TH 2001 one I did not even know about. Since then, it has hit EQ and EX today. It cost me over 40 points on EX alone. How can I get rid of these? Here is how they are reading:
TRANSUNION
Account Name: SEC CHECK
Account Number: 834XXXX
Acct Type: Collection Account
Acct Status: Closed
Monthly Payment:
Date Open: 2/14/2008
Balance: $0.00
Terms:
High Balance:
Limit:
Past Due:
Payment Status: Payment after charge off / collection
Comments: Paid collection
EXPERIAN / EQUIFAX
SECURITY CHECK LLC SECURITY CHECK
Account Number: 834XXXX 834XXXX
Acct Type: Returned Check Collection Account
Acct Status: Closed Closed
Monthly Payment:
Date Open: 2/1/2008 2/1/2008
Balance: $0.00
Terms: 1 Month
High Balance:
Limit:
Past Due:
Payment Status: Paid, was a collection account, insurance claim or government claim or was terminated for default Paid
Comments: RETURNED CHECK
Paid
EXPERIAN
SECURITY CHECK LLC
Account Number: 173XXXX
Acct Type: Returned Check
Acct Status: Closed
Monthly Payment:
Date Open: 2/1/2008
Balance: $46.00
Terms: 1 Month
High Balance:
Limit:
Past Due: $46.00
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
