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SIgh.. I've typed this up twice and i lost it all by hitting the back button by habit!
I made a lot of mistakes in the past years and now I'm trying to clean it up. I dont know the first thing about cleaning this stuff up so I jst spent 2 hours typing EVERYTHING (minus account numbers and personal info lol) into an excel sheet so i can paste it here. Please help me review this and help clean this up.
I have to split this up since its so large. (too many characters)
Summary | Experian | Equifax | Transunion |
Accounts listed negative | 1 | 2 | 0 |
Collection Accounts | 1 | 2 | 2 |
Real Estate Debt | $0 | $0 | $0 |
Installment Debt | $5,296.00 | $5,480.00 | $5,666.00 |
Revolving Debt | $0.00 | $0.00 | $0.00 |
% Revolving Credit Available | 0% | 0% | 0% |
Judgement | |||
Date Filed | 11/30/2006 | 11/1/2006 | 11/30/2006 |
Asset Amount | $573 | $573 | $573 |
Credit Inquiries | |||
Business Name | Comcast | ||
Inquiry Date | 8/23/2010 | ||
Business Type | Phone/net | ||
-------------------------------- | -------------------------------- | -------------------------------- | -------------------------------- |
Business Name | GEMB (note: I was not approved) | ||
Inquiry Date | 5/29/2010 | ||
Business Type | Sales Financing | ||
-------------------------------- | -------------------------------- | -------------------------------- | -------------------------------- |
Business Name | Weltman Wein | ||
Inquiry Date | 2/20/2010 | ||
Business Type | Collection Services | ||
-------------------------------- | -------------------------------- | -------------------------------- | -------------------------------- |
Business Name | Captlmgmt | ||
Inquiry Date | 12/22/2009 | ||
Business Type | other (note:Collection agency) | ||
-------------------------------- | -------------------------------- | -------------------------------- | -------------------------------- |
Business Name | NES | ||
Inquiry Date | 6/8/2009 | ||
Business Type | Collection Services | ||
-------------------------------- | -------------------------------- | -------------------------------- | -------------------------------- |
Business Name | G C Services | ||
Inquiry Date | 2/11/2009 | ||
Business Type | Other Collection Agencies | ||
-------------------------------- | -------------------------------- | -------------------------------- | -------------------------------- |
Business Name | Student Assi | ||
Inquiry Date | 1/27/2009 | ||
Business Type | Collection Services | ||
-------------------------------- | -------------------------------- | -------------------------------- | -------------------------------- |
Credit Cards, Loans & Other Debt | ||||
Acount/Item | Experian | Equifax | Transunion | Payment History |
POTENTIALLY NEGATIVE | ||||
Account Name | Cash-Pro Inc | Cash-Pro Inc | Cash-Pro Inc | |
Account Type | Collection Dept/agency/attorney | Collection Account | Collection Account | |
Balance | $405.00 | $405.00 | $405.00 | |
Past Due | $405.00 | - | - | |
Date Opened | 8/1/2004 | 8/1/2004 | 8/25/2004 | |
Account Status | Closed | - | Open | |
Mo. Payment | - | - | - | |
Payent Status | Seriously Past due date/ assigned to attorney, collection agency, or credit grantor's internal collection department | Unpaid | Collection Account | |
High Balance | - | - | - | |
Limit | - | - | - | |
Terms | 1 Month | - | - | |
Comments | Unpaid | Placed for collection | Last reported KD in October 2005, only shown on Experian | |
POTENTIALLY NEGATIVE | ||||
Account Name | RECVMGT | |||
Account Type | Collection Account | |||
Balance | $192.00 | |||
Past Due | - | |||
Date Opened | 9/3/2004 | |||
Account Status | Open | |||
Mo. Payment | - | |||
Payent Status | Collection Account | |||
High Balance | - | |||
Limit | - | |||
Terms | - | |||
Comments | Placed for Collection | Nothing reported on monthly history | ||
POTENTIALLY NEGATIVE CLOSED | ||||
Account Name | CAP ONE | CAPITAL ONE BANK USA | CAP ONE | |
Account Type | Credit Card - Revolving Terms | Revolving or Option | Revolving Account | |
Balance | - | $0.00 | $0.00 | |
Past Due | - | - | $0.00 | |
Date Opened | 1/1/2004 | 1/1/2004 | 1/24/2004 | |
Account Status | Closed | - | Closed | |
Mo. Payment | - | - | - | |
Payent Status | Legally Paid in full for less than the full balance | Bad debt & placed for collection & skip | Payment after charge off/collection | |
High Balance | $506.00 | $505.00 | $505.00 | |
Limit | - | - | - | |
Terms | Revolving | - | - | |
Comments | Election of remedy - reported by subscriber | Settlement accepted on this account. Paid accound / zero balance | Settled; less than full balance | Last reported as KD on EX 01/2007 Showed OK on EQ. Nothing reported on TU |
Acount/Item | Experian | Equifax | Transunion | Payment History |
POTENTIALLY NEGATIVE CLOSED | ||||
Account Name | FIRST UNITED BANKS | FIRST MERCHANCTS BANK | ||
Account Type | Auto Loan | Installment | ||
Balance | - | $0.00 | ||
Past Due | - | - | ||
Date Opened | 12/1/2005 | 12/1/2005 | ||
Account Status | Closed | - | ||
Mo. Payment | - | $200.00 | ||
Payent Status | Past Due 30 days two times | Not more than two payments past due | ||
High Balance | - | $11,585.00 | ||
Limit | - | - | ||
Terms | 24 months | - | ||
Comments | Transferred to another lender or claim purchase | Account transferred or sold auto | Reported (30) only once in April, 2007 on EA and EQ | |
POTENTIALLY NEGATIVE CLOSED | ||||
Account Name | HSBC/BSBUY | HSBC/ BSTBY | ||
Account Type | Revolving Charge Account | Revolcing Account | ||
Balance | $0.00 | $0.00 | ||
Past Due | $0.00 | $0.00 | ||
Date Opened | 8/1/2003 | 8/28/2003 | ||
Account Status | Closed | Closed | ||
Mo. Payment | - | - | ||
Payent Status | Credit Line closed | Charged off as bad debt | ||
High Balance | $1,004.00 | $1,004.00 | ||
Limit | $800.00 | $800.00 | ||
Terms | Revolving | - | ||
Comments | Account in dispute-reported by subscriber | Account infortmation disputed by consumer | Nothing reported in montly history | |
POTENTIALLY NEGATIVE CLOSED | ||||
Account Name | LVNV FUNDING LLC | LVNV FUNDING | ||
Account Type | Open Account | Open Account | ||
Balance | $0.00 | $0.00 | ||
Past Due | - | $0.00 | ||
Date Opened | 9/1/2006 | 9/19/2006 | ||
Account Status | - | Closed | ||
Mo. Payment | - | - | ||
Payent Status | At least 120 days or more than four payments past due | Payment after charge off/ collection | ||
High Balance | $1,005.00 | $1,005.00 | ||
Limit | - | - | ||
Terms | - | - | ||
Comments | Settlement accepted on this account | Account information disputed by consumer | Only history is (OK)'s for 24/mo on EQ only nothing on rest. |
Acount/Item | Experian | Equifax | Transunion | Payment History |
POTENTIALLY NEGATIVE CLOSED | ||||
Account Name | SALLIE MAE | SALLIE MAE-FFELP | SALLIE MAE | PRIVATE LOAN NOT FEDERAL |
Account Type | Education loan | Installment | Installment account | |
Balance | - | $0.00 | $0.00 | |
Past Due | - | - | $0.00 | |
Date Opened | 12/1/2005 | 12/1/2005 | 12/28/2005 | |
Account Status | Closed | - | Closed | |
Mo. Payment | - | $0.00 | $0.00 | |
Payent Status | Paid, was a charge-off | Bad debt & placed for collection & skip | Payment after charge off/ collection | |
High Balance | - | $4,000.00 | $4,000.00 | |
Limit | - | - | - | |
Terms | 65 months | - | 65 months | |
Comments | - | Paid Charge off Student Loan | Settled; less than full balance | Showed (KD) on EQ and EQ from 8/08 til 07/10 (paid off in June) |
Acount/Item | Experian | Equifax | Transunion | Payment History |
?Unknown | ||||
Account Name | - | |||
Account Type | Collection Account | |||
Balance | $250.00 | |||
Past Due | - | |||
Date Opened | 11/1/2004 | |||
Account Status | - | |||
Mo. Payment | - | |||
Payent Status | Unpaid | |||
High Balance | - | |||
Limit | - | |||
Terms | - | |||
Comments | Medical Unpaid | |||
?Unkown | ||||
Account Name | HSBC BEST BUY | |||
Account Type | Revolving or Option | |||
Balance | $0.00 | |||
Past Due | - | |||
Date Opened | 8/1/2003 | |||
Account Status | - | |||
Mo. Payment | $61.00 | |||
Payent Status | Bad Debt & placed for colelction & skip | |||
High Balance | $800.00 | |||
Limit | - | |||
Terms | - | |||
Comments | Account Transferred or Sold | Shows (OK) from 5/2008 til 5/2010 in EQ only | ||
Acount/Item | Experian | Equifax | Transunion | Payment History |
Current | ||||
Account Name | First Merchants Bank | First Merchants Bank | First Merchants Bank | |
Account Type | Auto Loan | Installment | Installment Account | |
Balance | $1,540.00 | $1,724.00 | $1,919.00 | |
Past Due | - | - | $0.00 | |
Date Opened | 1/1/2008 | 1/1/2008 | 1/9/2008 | |
Account Status | Open | - | Open | |
Mo. Payment | $203.00 | $203.00 | $203.00 | |
Payent Status | Current | Pays account as agreed | Paid or Paying as areed | |
High Balance | - | $8,308.00 | $8,308.00 | |
Limit | - | - | - | |
Terms | 52 Months | - | 52 months | |
Comments | Auto Fixed Rate | All bureaus show (OK) across the board | ||
Current | ||||
Account Name | SALLIE MAE | SALLIE MAE-FFELP | SALLIE MAE | |
Account Type | Education loan | Installment | Installment Account | |
Balance | $1,435.00 | $1,435.00 | $2,321.00 | |
Past Due | - | - | $0.00 | |
Date Opened | 8/1/2005 | 8/1/2005 | 8/24/2005 | |
Account Status | Open | - | Open | |
Mo. Payment | $20.00 | $20.00 | $32.00 | |
Payent Status | Current, was past due 120 days | Pays account as agreed | Paid or paying as agreed | |
High Balance | - | $1,313.00 | $2,000.00 | |
Limit | - | - | - | no 30s or 60s??? |
Terms | 80 months | - | 80 months | |
Comments | Student loan variable rate | Feb 09 (90) March 09 (120) | ||
Aug 09 (90) Sep 09 (120) | ||||
Current | ||||
Account Name | SALLIE MAE | SALLIE MAE-FFELP | SALLIE MAE | |
Account Type | Education Loan | Installment | Installment Account | |
Balance | $2,321.00 | $2,321.00 | $1,435.00 | |
Past Due | - | - | $0.00 | |
Date Opened | 8/1/2005 | 8/1/2005 | 8/24/2005 | |
Account Status | Open | - | Open | |
Mo. Payment | $32.00 | $32.00 | $20.00 | |
Payent Status | Current, was past due 120 days | Pays account as agreed | Paid or paying as agreed | |
High Balance | - | $2,000.00 | $1,313.00 | no 30s or 60s??? |
Limit | - | - | - | Feb 09 (90) March 09 (120) |
Terms | 80 months | - | 80 months | Aug 09 (90) Sep 09 (120) |
Comments | Student loan variable rate |
Acount/Item | Experian | Equifax | Transunion | Payment History |
Current Closed | ||||
Account Name | FIRST MERCHANTS BANK | FIRST MERCHANTS BANK | FST MERCHNTS | |
Account Type | Auto loan | Installment | Installment Account | |
Balance | - | $0.00 | $0.00 | |
Past Due | - | - | $0.00 | |
Date Opened | 10/1/2005 | 10/1/2005 | 10/6/2005 | |
Account Status | - | - | Closed | |
Mo. Payment | - | $60.00 | $60.00 | |
Payent Status | Paid satisfactorily | Pays account as agreed | Paid or paying as agreed | |
High Balance | - | $4,472.00 | $4,472.00 | |
Limit | - | - | - | |
Terms | 42 months | - | 42 months | |
Comments | Paid account / zero balance auto | Closed | (OK)'s across the board for all 3 | |
Current Closed | ||||
Account Name | FIRST MERCHANTS BANK | FIRST MERCHANTS BANK | FST MERCHNTS | |
Account Type | Auto Loan | Installment | Installment Account | |
Balance | - | $0.00 | $0.00 | |
Past Due | - | 0 | $0.00 | |
Date Opened | 12/1/2005 | 12/1/2005 | 12/7/2005 | |
Account Status | Closed | - | Closed | |
Mo. Payment | - | $8,360.00 | $8,360.00 | |
Payent Status | Paid, was past due 60 days | Pays account as agreed | Paid or paying as agreed | |
High Balance | - | $11,585.00 | $11,585.00 | |
Limit | - | - | - | |
Terms | 24 months | - | 24 months | |
Comments | - | Paid Account / Zero Balance Auto | Closed | Shows (30) and (60) a couple times |
Current Closed | ||||
Account Name | FIRST MERCHANTS BANK | FIRST MERCHANTS BANK | ||
Account Type | Auto loan | Installment | ||
Balance | - | $0.00 | ||
Past Due | - | - | ||
Date Opened | 10/1/2005 | 10/1/2005 | ||
Account Status | Closed | - | ||
Mo. Payment | - | $127.00 | ||
Payent Status | Current | Pays account as agreed | ||
High Balance | - | $4,472.00 | ||
Limit | - | - | ||
Terms | 42 months | - | ||
Comments | Transferred to another lender or claim purchased | Account transferred or sold Auto | Shows (OK) on ES and EQ all months |
Acount/Item | Experian | Equifax | Transunion | Payment History |
Current Closed | ||||
Account Name | FIRST MERCHANTS BANK | FIRST MERCHANTS BANK | FST MERCHNTS | |
Account Type | Auto Loan | Installment | Installment Account | |
Balance | - | $0.00 | $0.00 | |
Past Due | - | - | $0.00 | |
Date Opened | 8/1/2005 | 8/1/2005 | 8/30/2005 | |
Account Status | Closed | - | Closed | |
Mo. Payment | - | $150.00 | $150.00 | |
Payent Status | Paid satisfactorily | Pays account as agreed | Paid or paying as agreed | |
High Balance | - | $8,585.00 | $8,585.00 | |
Limit | - | - | - | |
Terms | 25 months | - | 25 months | |
Comments | - | Paid Account / Zero Balance Auto | Closed | Shows (OK) on all bureaus PAID in JAN 06 |
Current Closed | ||||
Account Name | FIRST UNITED BANK | FIRST MERCHANTS BANK | FST UNITD BNK | |
Account Type | Auto Loan | Installment | Installment Account | |
Balance | - | $0.00 | $0.00 | |
Past Due | - | - | $0.00 | |
Date Opened | 6/1/2005 | 6/1/2005 | 6/30/2005 | |
Account Status | Closed | - | Closed | |
Mo. Payment | - | $275.00 | $275.00 | |
Payent Status | Paid satisfactorily | Pays account as agreed | Paid or paying as agreed | |
High Balance | - | $16,085.00 | $16,085.00 | |
Limit | - | - | - | |
Terms | 61 months | - | 61 months | |
Comments | - | Paid Account / Zero Balance Auto | Closed | Shows (OK) on all bureaus PAID in SEPT 05 |
Current Closed | ||||
Account Name | FIRST UNITED BANK | FIRST MERCHANTS BANK | FST UNITD BNK | |
Account Type | Auto Loan | Installment | Installment Account | |
Balance | - | $0.00 | $0.00 | |
Past Due | - | - | $0.00 | |
Date Opened | 9/1/2004 | 9/1/2004 | 9/9/2004 | |
Account Status | Closed | - | Closed | |
Mo. Payment | - | $250.00 | $250.00 | |
Payent Status | Paid satisfactorily | Pays account as agreed | Paid or paying as agreed | |
High Balance | - | $13,092.00 | $13,092.00 | |
Limit | - | - | - | |
Terms | 48 months | - | 48 months | |
Comments | - | Paid Account / Zero Balance Auto | Closed | Shows (OK) on all bureaus PAID in MAY 2005 |
Acount/Item | Experian | Equifax | Transunion | Payment History |
Current Closed | ||||
Account Name | FIRST UNITED BANK | FIRST MERCHANTS BANK | FST UNITD BNK | |
Account Type | Auto Loan | Installment | Installment Account | |
Balance | - | $0.00 | $0.00 | |
Past Due | - | - | $0.00 | |
Date Opened | 9/1/2003 | 9/1/2003 | 9/25/2003 | |
Account Status | Closed | - | Closed | |
Mo. Payment | - | $103.00 | $103.00 | |
Payent Status | Paid, was past due 30 days | Pays account as agreed | Paid or paying as agreed | |
High Balance | - | $3,596.00 | $3,596.00 | |
Limit | - | - | - | |
Terms | 42 months | - | 42 months | |
Comments | - | Paid Account / Zero Balance Auto | Closed | Shows (OK) (1 (30))on all bureaus PAID in SEPT 05 |
Current Closed | ||||
Account Name | FIRST UNITED BANK | FIRST MERCHANTS BANK | FST UNITD BNK | |
Account Type | Auto Loan | Installment | Installment Account | looks to be same account as above, same numbers too??? |
Balance | - | $0.00 | $0.00 | |
Past Due | - | - | $0.00 | |
Date Opened | 1/1/2003 | 1/1/2003 | 1/8/2003 | |
Account Status | Closed | - | Closed | |
Mo. Payment | - | $103.00 | $103.00 | |
Payent Status | Paid satisfactorily | Pays account as agreed | Paid or paying as agreed | |
High Balance | - | $3,596.00 | $3,596.00 | |
Limit | - | - | - | |
Terms | 42 months | - | 42 months | |
Comments | - | Closed | Shows (OK) on all bureaus PAID in AUG 2003 | |
Current Closed | ||||
Account Name | LVNV FUNDING | |||
Account Type | Unknown - credit extension, review, or collection | Same LVNV account as above, not sure why its down here alone?? | ||
Balance | - | |||
Past Due | - | |||
Date Opened | 9/1/2006 | |||
Account Status | Closed | |||
Mo. Payment | - | |||
Payent Status | Legally paid in full for less than the full balance | |||
High Balance | - | |||
Limit | - | |||
Terms | 1 month | |||
Comments | Election of remedy - reported by subscriber | Shows (KD) from AUG 08 till April 2010 |
hope that all makes sense how I had to format it to work ont he forum. Again, thank you ALL so much in advance for any help provided!
Welcome to the forums!
I'm moving your thread to the rebuilding credit forum. Good Luck!