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Regular Contributor
Posts: 142
Registered: ‎12-16-2012
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KD?

Ok, I pulled up my Experian, and I'm seeing that each of the CAs are reporting KDs. What does that mean and can they do that? They have purchased charged off accounts from the OCs.




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Frequent Contributor
Posts: 398
Registered: ‎11-03-2012
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Re: KD?

KD is a Key Derogatory. A Major baddie. Yes they can report it and will. A little more information will help you get the best advice. 


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Re: KD?

KD is key derogatory, but no a CA can't report that.  They don't even have a code for it.  The only way they can put that on there is to list themselves as a Factoring Company thereby giving themselves certain aspects as listing as an OC.  Yes you can fight this, I have and won.


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Registered: ‎12-08-2012
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Re: KD?

[ Edited ]

Edit: Midland deleted after dispute :smileyhappy:

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Regular Contributor
Posts: 142
Registered: ‎12-16-2012
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Re: KD?

Can you give me some more information on that Shogun? How exactly can I fight that?




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Regular Contributor
Posts: 142
Registered: ‎12-16-2012
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Re: KD?

What information do you need? I need all the advice I can get, lol. I'm at the point where I want to just get a lawyer and have them deal with it, but that will be too expensive.

 




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Moderator
Posts: 12,952
Registered: ‎04-15-2011
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Re: KD?

Is the account paid?  


Starting Score: 504

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Regular Contributor
Posts: 142
Registered: ‎12-16-2012
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Re: KD?

No, and I figure I should settle it and if anything GW the past KDs off?




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Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
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Re: KD?

When you look at EXP credit monitoring, they show KD's but when you look at your hard copy those are actually CO's.  I don't know why EXP does it this way instead of just showing what the credtor will really see.  If you have a report number you can use the backdoor to see it for yourself.


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Regular Contributor
Posts: 142
Registered: ‎12-16-2012
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Re: KD?

Backdoor? What do you mean by that?




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