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Established Contributor
gdtobefree
Posts: 536
Registered: ‎01-24-2008
0

Hi all I am back with questions

I finally got Myfico to unlock my original screenname.
 
My first question is:
How can a OC or a CA report to 3 CRA's differently?
I have one account listed on all 3 CRA's but it is different on all.
EX:
Sears with EX it shows CO no balance or PD
with a 30 a 60 and 4/90 days lates acct transfered to another office
EQ:
o balances pays acct as agreed 1/30 1/60 and 3/90
TU:
CO as bad debt, 0 balances, no lates
 
What do you do when you have the same account reported like this?
 
I disputed this account in Feb and for EQ they updated the account as listed above.
 
I also have a CA reporting lates and have 23 120 day lates.
I DV'd them once not reply, 2nd DV went out and rec 5/18/08 no news yet.
Established Contributor
gdtobefree
Posts: 536
Registered: ‎01-24-2008
0

Re: Hi all I am back with questions

ttt
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: Hi all I am back with questions



gdtobefree wrote:
 
What do you do when you have the same account reported like this?
 


It depends, is it a charge off account? Was it paid after charge off?
 

 
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Established Contributor
gdtobefree
Posts: 536
Registered: ‎01-24-2008
0

Re: Hi all I am back with questions

It was a CO, no it wasn't paid but they show it paid
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: Hi all I am back with questions



gdtobefree wrote:
It was a CO, no it wasn't paid but they show it paid



Being that it is a charge off and showing a $0 balance, I'd say they sold the debt.
 
So, the only one that is really reporting wrong(unless I"ve overlooked something) is the one that says "paid as agreed".........which is in your favor.
 
 
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Established Contributor
gdtobefree
Posts: 536
Registered: ‎01-24-2008
0

Re: Hi all I am back with questions

It shows pays as agreed on EQ only, Should I GW them to report that way on the other 2 or should I leave it alone in fear of they might catch their mistake and change it back.
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: Hi all I am back with questions



gdtobefree wrote:
It shows pays as agreed on EQ only, Should I GW them to report that way on the other 2 or should I leave it alone in fear of they might catch their mistake and change it back.



If it isn't paid, I certainly wouldn't send them a letter asking them to mark it paid, just my opinion.
 
 
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Established Contributor
gdtobefree
Posts: 536
Registered: ‎01-24-2008
0

Re: Hi all I am back with questions

That is what I am afraid of, they made the boo boo not me, I wish I could use it to my advantage on all 3

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