@steele70 wrote:Hello everyone. I am currently in the rebuilding phase in regards to my credit. I just pulled my Experian free report for the year. One of the accounts I had in the past shows my first delinquent August of 2007. However, it shows that it will not fall off of my credit until September of 2020. Once it went delinquent no further payments were made, even though they are reporting I did. here is the attached section of the credit report. PLEASE help me!
PIONEER MILITARY LOANS
Address:
4000 S EASTERN AVE STE 300
LAS VEGAS, NV 89119
(800) 367-5626
Account Number:
261....
Address Identification Number:
0505408154
Status: Account charged off. $1,981 w ritten off. Status Details: This account is scheduled to
continue on record until Jan 2020.
This item w as updated from our processing of your
dispute in Sep 2012.
Date Opened:
02/2006
Reported Since:
04/2006
Date of Status:
05/2013
Type:
Unsecured
Terms:
30 Months
Monthly Payment:
$0
Credit Limit/Original Amount:
$5,207
High Balance:
NA
Recent Balance:
$2,346 as of 07/2013
4/10/2014 Experian - Report Summary
https://annualcreditreport.experian.com/AnnualCreditReport/cac/ReportSummary2.do
Account History:
Charge Off as of Apr 2013 to Jul 2013, Feb 2013, Jun 2012, Apr
2012, Mar 2012, Jan 2008 to Jul 2011
150 days past due as of Dec 2007
120 days past due as of Nov 2007
90 days past due as of Oct 2007
60 days past due as of Sep 2007
30 days past due as of Aug 2007 This is your ticket to a serious violation of the FCRA. This debt has been re-aged which is highly illegal, immediately file a complaint with the CFPB citing DOFD of 08/07 and a scheduled exclusion date in 2020. Keep a copy of this entry as proof should a lawsuit become necessary. The exclusion date based on the 08/07 DOFD is 02/15
Balance History - The following data will appear in the following format:
account balance / date payment received / scheduled payment amount / actual amount paid
Jun 2013: $2,346 / May 6, 2013 / no data / $8
May 2013: $2,346 / March 12, 2013 / no data / $8
Apr 2013: $3,986 / March 12, 2013 / no data / $8
Feb 2013: $3,955 / January 31, 2013 / no data / $8
Jan 2013: $2,346 / December 4, 2012 / no data / $8
Dec 2012: $3,954 / November 19, 2012 / no data / $8
Oct 2012: $2,346 / September 13, 2012 / no data / $8
Sep 2012: $3,919 / September 13, 2012 / no data / $8
Aug 2012: $3,913 / July 15, 2012 / no data / $25
Jun 2012: $2,346 / May 2, 2012 / no data / $8
May 2012: $2,346 / February 10, 2012 / no data / $8
Apr 2012: $2,346 / February 10, 2012 / no data / $8
