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I have an HSBC account being listed on my TU CR as in collection, while it's listed as paid satisfactorily on the other two. Info:
TU:
HSBC BANK #5440XXXXXXXX | |
PO BOX 5253 CAROL STREAM , IL 60197 (800) 477-6000 Balance: $776 Date Updated: 06/2005 High Balance: $776 Credit Limit: $0 Past Due: >$66< Pay Status: >Collection Account< Account Type: Revolving Account Responsibility: Individual Account Date Opened: 10/2003 Date Closed: 06/2005 Loan Type: Credit Card Remark: Account closed by credit grantor Estimated date that this item will be removed: 12/2011 |
Equifax:
HOUSEHOLD CREDIT SERVICES
PO Box 98706
Las Vegas, NV-891938706
(800) 477-6000
Account Number: | 544045500473XXXX | Current Status: | PAYS AS AGREED |
Account Owner: | Individual Account. | High Credit: | $812 |
Type of Account : | Revolving | Credit Limit: | $300 |
Term Duration: | Terms Frequency: | Monthly (due every month) | |
Date Opened: | 10/2003 | Balance: | $0 |
Date Reported: | 06/2008 | Amount Past Due: | |
Date of Last Payment: | 11/2007 | Actual Payment Amount: | |
Scheduled Payment Amount: | Date of Last Activity: | 11/2007 | |
Date Major Delinquency First Reported: | Months Reviewed: | 56 | |
Creditor Classification: | Activity Description: | Paid and Closed | |
Charge Off Amount: | Deferred Payment Start Date: | ||
Balloon Payment Amount: | Balloon Payment Date: | ||
Date Closed: | 11/2005 | Type of Loan: | Credit Card |
Date of First Delinquency: | N/A | ||
Comments: | Account closed by credit grantor |
81-Month Payment History
Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
2008 | * | * | * | * | * | |||||||
2007 | * | * | * | * | * | * | * | * | 30 | 60 | * | * |
2006 | * | * | * | * | * | * | * | * | * | * | * | * |
2005 | * | * | 30 | 60 | 90 | 120 | 120 | 120 | * | * | * | * |
2004 | * | * | * | * | * | * | * | * | * | * | * | * |
2003 | * | * | * |
What can I do to get this corrected on my TU report? Do I need to dispute? Call HSBC? Thanks!
Did you pay it off or did they sell the debt to a CA?
I paid it off (through a debt management program). It is reporting correctly to EX and EQ but not TU.
You can dispute the balance. They'll fix it.