11-01-2010 12:58 PM
Creditor Name: I C SYSTEM
Account No.: 2857250****
Original Creditor: 11 AT T CINGULAR WIRELESS
Original Balance: $339
Date Opened: 10/01/2009
Date Reported: 02/14/2010
Account No.: 54063300****
Condition: Closed (Paid)
Type: Credit Card
Pay Status: Current
Past Due: $0
High Balance: $399
Account No.: 54063300**** 540633000934**** 33000934****
- Condition: Closed (Paid) Closed (Transferred) Derogatory
- Balance: $0 $0
- Type: Credit Card Credit Card
- Pay Status: Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff
- Past Due: $0
- High Balance: $640 $672
- Limit: $0 $0
- Payment: $0
- Opened: 07/23/2004 07/2004 07/2004
- Reported: 01/31/2007 01/31/2007 02/2010
- Responsibility: Individual Individual Individual
11-01-2010 07:49 PM - edited 11-01-2010 10:37 PM
Very confusing, as are most consumer credit reports.
Apparently, the OC was Cingular, with an account opened date of 7/2004. The OC apparently did a charge-off and/or referred it to collection in 2007, and the debt collectior, IC System, then posted a CA to your CR in 10/2009. If the OC is now reporting a %0 blance, that implies that the CA actually purchased the debt.
What you are seeking is removal of derogs from your CR. As such the dates of the detogs are needed in order to proceed.
You need to know the date of each monthly delinquency on the OC account while it was open, with the first date in the last chain of delinquencies prior to the CO or CA .... that date being your DOFD. Those dates govern normal CR deletion of each derog. Those dates have not been provided. Apparently, they all ovccured between 2007 and 10/2009.
11-02-2010 10:53 AM