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Help a newbie fix credit?!?!?! Asset

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Anonymous
Not applicable

Help a newbie fix credit?!?!?! Asset

Hello Everyone,

 

I want to get some things off of my credit report, can you guys be on some assistance?

 

Heres the scenario

 

Asset Acceptance (for an old Wachovia Card with a date of first deliquency as 11/2006) is due to be removed from my report on 8/2013 and they are currently reporting.

 

Here is was it looks like on:

EXPERIAN

ASSET ACCEPTANCE

 

Address: 
 PO BOX 1630 
  WARREN, MI 48090 
 (800) 614-4730

Account Number: 
xxxx

Original Creditor:
WACHOVIA CARD SERVICES

 

 


Address Identification Number:  NONE

 

 


Status: 
Collection account. xxx past due as of Aug 2012.

 

 

 


Date Opened: 
12/2009

Date of Status: 
04/2010

Reported Since: 
03/2010

Last Reported Date: 
08/2012


Type: 
Debt Buyer

Terms: 
1 Months 

Monthly Payment: 
$0

Responsibility: 
Individual 


Credit Limit: 
xxx

High Balance: 
N/A 

Recent Balance: 
xxx

Recent Payment: 
$0

 

 
 
 
 
 
 


Account History: 
Collection as of Aug 2011 to Aug 2012, Jun 2011, Apr 2011, Oct 2010 to Mar 2011, Jun 2010 to Aug 2010, Apr 2010, Mar 2010

 

 

 

 

 


Limit High Balance History: 
The original amount of this account was xxx

 

 


Your Statement: 
Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act).

 

 

 

 

TRANSUNION-

ASSET ACCEPTANCE LLC   XXX

PO BOX 1630
WARREN, MI 48090-1630

 

(800) 545-9931

Balance:

XXX

Date Updated:

07/08/2012

Original Amount:

XXX

Original Creditor:

WACHOVIA CARD SERVICES (Retail)

Past Due:

>XXX

Pay Status:

>In Collection<

Account Type:

Open Account

Responsibility:

Individual Account

Loan Type: 

FACTORING COMPANY ACCOUNT

Date Placed for Collection: 

12/31/2009

Remarks: 

>PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 

10/2013

 

EQUIFAX

LOOKS THE SAME, JUST SAYS" CONSUMER DISPUTES"

 

 

What is the next step? I apologize for my ignorance in this subject but when i research it, it seems that all the explanations are really advanced with abbreviations and the like. I can not seem to find a step by step help guide.

 

 

PLEASE RESPOND

Thanks

 

.

 

 

 

 

 

Message 1 of 3
2 REPLIES 2
Anonymous
Not applicable

Re: Help a newbie fix credit?!?!?! Asset

bump

 

Update

 

I noticed they are reporting a year later dofd than the OC did before it was removed from my report. I resubmitted the dispute on that basis

Message 2 of 3
Madman94044
Regular Contributor

Re: Help a newbie fix credit?!?!?! Asset

Idisputed thru CRA, dropped off for a while, then popped back up...good luck 

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Message 3 of 3
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