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So I used equifax and I'm seeing this on my report.
EQ 605 TU 614 EX 633
I don't have any auto loans nor have I ever. No Credit Cards
However I am seeing this on my report
Potentially Negative Information
Late payments, collections and public records can have a negative impact on your credit standing. The more severe they are and the more recent they are, the more negative the potential impact.
Equifax | TransUnion | Experian | |
Public Records | 0 | 0 | 0 |
Negative Accounts | 0 | 1 | 0 |
Collections | 3 | 0 | 0 |
Company/Account Name: | ACS |
Company Address/Phone: | 421 FAYETTEVILLE S SUITE 600 RALEIGH, NC 27601 (919) 755-3900 |
Account Number: | xxxxxxxxx |
Date Opened: | 03/01/2009 |
Last Activity: | N/A |
Type: | Open |
Rate/Status: | Collection |
High Credit: | $0 |
Terms: | N/A |
Balance: | $0 |
Past Due: | $0 |
Most Recent Date Reported: | 07/01/2012 |
Comments on Acc ount: | ORIGINAL CREDITOR: MED1 02 MISSION HOSPITALS ON GOING S PAID COLLECTION
|
Anyone?
On the posted one ACS is the collector and it looks like a hospital was the OC.
It also looks paid.
So what should I do about it?
Send a GW letter to the CA asking for them to remove it.
Use all the sites that can offer you information for FREE. Thats how i accumulated and put together some things from negative reports. Be sure to read through the forums and run searches. You will find almost anything you need. I did a search and came across a post from a year ago and it helped guide me. It also gave me an insite as to how it all works. I dont know nearly what many of the folks here do but spending a lot of time reading has really helped. Good luck !
Ok so now I guess the only question I have is how can I view the 3 items on my equifax report so I can see if they are actually legit items?
Sounds like you went directly to Equifax and pulled a 3 in 1 report.
If you go to AnnualCreditReport.com you can get your official report from each of the three CRA's. The advantage is that the report contains more info + it's free. You will be able to see more info on each item so you can do the appropriate thing
Ok so I figured out how to get the info from equifax
Here is the 3 items that are showing up. The last 2 appear to be the same account. How is this on me 2 times? What steps should I take from here?
AMERIFINANCIAL SOLUTIONS | |
Agency Address: | PO Box 602570 Charlotte, NC 282602570 (800) 945-7184 |
Date Reported: | 02/2010 |
Date Assigned: | 05/2009 |
Creditor Classification: | Medical/Health Care |
Creditor Name: | CAROLINA MOUNTAIN EMERG MED |
Account Number: | 1635XXXX |
Account Owner: | Individual Account. |
Original Amount Owned: | $281 |
Date of 1 st Delinquency: | 01/2009 |
Balance Date: | 02/2010 |
Balance Owned: | $281 |
Last Payment Date: | N/A |
Status Date: | 02/2010 |
Status: | D - Unpaid |
Comments: | Medical |
AMERIFINANCIAL SOLUTIONS | |
Agency Address: | PO Box 602570 Charlotte, NC 282602570 (800) 945-7184 |
Date Reported: | 02/2010 |
Date Assigned: | 10/2009 |
Creditor Classification: | Medical/Health Care |
Creditor Name: | CAROLINA MOUNTAIN EMERG MED |
Account Number: | 1696XXXX |
Account Owner: | Individual Account. |
Original Amount Owned: | $204 |
Date of 1 st Delinquency: | 06/2009 |
Balance Date: | 02/2010 |
Balance Owned: | $204 |
Last Payment Date: | N/A |
Status Date: | 02/2010 |
Status: | D - Unpaid |
Comments: | Medical |
Agency Address | PO Box 602570 Charlotte, NC 282602570 (800) 945-7184 |
Date Reported: | 02/2010 |
Date Assigned: | 10/2009 |
Creditor Classification: | Medical/Health Care |
Creditor Name: | CAROLINA MOUNTAIN EMERG MED |
Account Number: | 1696XXXX |
Account Owner: | Individual Account. |
Original Amount Owned: | $204 |
Date of 1 st Delinquency: | 06/2009 |
Balance Date: | 02/2010 |
Balance Owned: | $204 |
Last Payment Date: | N/A |
Status Date: | 02/2010 |
Status: | D - Unpaid |
Comments: | Medical
|
First thing I would do is call and talk them about a duplicate reporting. If they see it, they will most likely stop reporting one.