02-25-2013 09:45 AM
Ok so on my Equifax report it shows this collection
this entry does not show up on my Experian or my Transunion reports. However, my Transunion report shows a new collection from a new CA for this account.
I DONT remember paying this nor do I have any record of doing so.
Best steps to take ?
02-25-2013 10:31 AM
Looks to me like it should be coming off in less than 6 months. I'd forget about it, but others will tell you the debt doesn't go away just because it's not on your report.
Unless you're trying to get a mortgage or there's some other reason you need it off your report ASAP, I'd just wait it out.
02-25-2013 10:38 AM - edited 02-25-2013 10:46 AM
ETA - read post as you no recollection of account vs. not remembering if paid.
Do you have anything from the OC listed on your report? I would think they would still be listed at this time, if so, is it still showing a balance?
02-25-2013 10:54 AM
I would send them a DV and maybe even a copy of what you are showing there. It shows it was paid at least about 2 years ago.
02-25-2013 11:39 AM
nothing about the OC listed on any report.
02-25-2013 12:18 PM - edited 02-25-2013 12:20 PM
Do you recall having this account? I just think it's odd (it could be normal, but just doesn't seem right) that the OC is not reporting, be it paid, transferred/sold. At least IME no OC stopped reporting once sold/placed for collection. All of mine are sitting right there, even after payment.
02-25-2013 12:44 PM
I recall it yes, i found a few statements that are really old, but nothing in the last few years. I would certainly remember paying for it I think, however, I dont.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO