Kicked in the stomach

[VikingsLoyalFan]

After a year getting my credit from 495 to 655 I am about to go for my loan on a house. I received a letter today from “EOS” and contacted them (I am in the middle of disputing 2 other things on my credit from them, the same account). The guy on the phone told me that they reported this to the credit bureau on the 8th of this month. THEN HE TELLS ME THIS IS FROM AN ACCOUNT IN 2006…..

I asked him why they would put something else on my credit; he tells me the principal on this is another account. Well to make a long story short, he tells me I have to file a police report to dispute this. After him going through all the information I realize, it was my brother’s address he never paid the final fee for his phone service (65 dollars) (that was in my name) and now it is up past 500 on my credit 3 times. I have no idea what to do. How can someone hit your credit so many times and nonetheless 6 years later?

I am bawling my eyes out; everything I have done in a year is now just tarnished. I am so upset.  I guess I am wondering how 1 company can keep hitting your credit.

[DaBears]

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@VikingsLoyalFan wrote:

After a year getting my credit from 495 to 655 I am about to go for my loan on a house. I received a letter today from “EOS” and contacted them (I am in the middle of disputing 2 other things on my credit from them, the same account). The guy on the phone told me that they reported this to the credit bureau on the 8th of this month. THEN HE TELLS ME THIS IS FROM AN ACCOUNT IN 2006…..

I asked him why they would put something else on my credit; he tells me the principal on this is another account. Well to make a long story short, he tells me I have to file a police report to dispute this. After him going through all the information I realize, it was my brother’s address he never paid the final fee for his phone service (65 dollars) (that was in my name) and now it is up past 500 on my credit 3 times. I have no idea what to do. How can someone hit your credit so many times and nonetheless 6 years later?

I am bawling my eyes out; everything I have done in a year is now just tarnished. I am so upset.  I guess I am wondering how 1 company can keep hitting your credit.

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Do you know what the DoFD? On a side note, never dispute something on your CR's while applying for a mortgage loan.

[VikingsLoyalFan]

I do not know what DOFD is, but I am in shock of how they have already placed 2 things on my credit in the past and now this one saying this is another account "of principle" from 6/7 years ago. 

[VikingsLoyalFan]

The two reported on my credit prior to this one is 5/12 and it says date opened 3/12 (although this was in 2006) I am so confused

[SSPA87]

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@VikingsLoyalFan wrote:

The two reported on my credit prior to this one is 5/12 and it says date opened 3/12 (although this was in 2006) I am so confused

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It sounds like they are illegally reporting?  Is this One account that they are reporting 3 separate times?  I don't believe that is legal...  Someone else will have a better idea than I do but this whole thing seems shady to me on the CA's part.

[VikingsLoyalFan]

I recieved this letter today, (the 11th) and he told me they reported this to the CB on the 8th... I would have paid the thing because I cannot afford to lose points for my house  

[VikingsLoyalFan]

He told me "2 accounts" Although there will be 3 different ones reported now. 

[mauve]

Send him a DV, CMRRR. Seriously. They're hoping you are intimidated. 

[guiness56]

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@SSPA87 wrote:

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@VikingsLoyalFan wrote:

The two reported on my credit prior to this one is 5/12 and it says date opened 3/12 (although this was in 2006) I am so confused

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It sounds like they are illegally reporting?  Is this One account that they are reporting 3 separate times?  I don't believe that is legal...  Someone else will have a better idea than I do but this whole thing seems shady to me on the CA's part.

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Date opened is the date it was assigned to the CA and doesn't mean anything.  It should still go by the DoFD of the OC.

[guiness56]

I don't think they can add another collection account  with just interest.  Is that what they did?