Hello all, I just want to say what an unbelieveable amount of informaition there is in this forum and how it inspired me to FINALLY tackle my credit issues. I felt like I was on my own against multiple CAs with no help available, then I found this community. =)
So far, before I knew of the help and information here, I paid a collection in full to Porfolio Recovery. Wrong move since i didnt send a PFD letter.. Anyway, I wanted to post the bads on my report and see if anyone could help with contact information or just any general guidance.
PORTFOLIO RECOVERY ASSOCIATES
Status as of: Aug, 2010 Balance: $798
Date opened: Feb, 2008 Current status: 120+ days past due
Date of last activity: Aug, 2007 Past due amount: $798
Largest past balance: $869
Account type: Open Account
Account holder: Individual
Descriptions:
Collection account
Actions:
Paid full balance on 9/17/10 and received a letter stating the company will report this account as “Paid” to the three major credit reporting agencies.
Sent GW letter via email 9/21/10 and received a response same day stating "it in not the business practice or PRA to remove or delete credit information in exchange for payment"
CREDIT ONE BANK
Status as of: Aug, 2010 Balance: $269
Date opened: Dec, 2008 Current status: Pays account as agreed
Date of last activity: Aug, 2010 Past due amount: Not Reported
Credit Limit: $200
Largest past balance: Not Reported Seven year payment history
Account type: Revolving 30 days late: 2 times (Apr 2010, Dec 2009)
Account holder: Individual 60 days late: 1 time (Jan 2010)
Scheduled payment: $25 90+ days late: 0 times
Descriptions:
Credit Card
Actions:
Paid account on time since May 2010. Current balance is $48
CITI CARD
Status as of: Nov, 2009 Balance: $0
Date opened: Feb, 2004 Current status: Bad debt/collection
Date of last activity: Jul, 2005 Past due amount: Not Reported
Largest past balance: $330
Account type: Revolving Seven year payment history
Account holder: Individual 30 days late: 0 times
Scheduled payment: $0 60 days late: 3 times
90+ days late: 3 times (Apr 2006, Mar 2006, Feb 2006)
Descriptions:
Paid charge off
Actions:
I don’t remember what actions were taken on this account
BANK OF AMERICA
Status as of: Feb, 2008 Balance: $0
Date opened: Mar, 2004 Current status: Bad debt/collection
Date of last activity: Aug, 2007 Past due amount: Not Reported
Largest past balance: $869
Account type: Revolving Seven year payment history
Account holder: Individual 30 days late: 8 times (Sep 2007, Jun 2007, Dec Scheduled payment: $0 2006,Aug 2006, Jul 2006, May 2006,
Mar 2006)
60 days late: 5 times (Oct 2007, Feb 2007, Jan 2007,
Apr 2006)
90+ days late: 6 times (Jan 2008, Dec 2007, Nov 2007, Mar 2007)
Descriptions:
Account transferred or sold
Charged off account
Actions:
This account was sold to CA PORTFOLIO RECOVERY ASSOCIATES
CA Paid as of Aug 2010
Sorry for the long post, but I wanted to include all of the information I have.
EQ FICO 527
