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I searched the forums for this one, but didn't find exactly what I was looking for...
I have two negative items on my credit report that are bills that went to collections that I then paid. I'm in the process of buying a house this fall, and would like to see if I can get the negative items removed, but I'm not sure who to contact?
This is how the first item is reporting:
BEST SERV CO 11/2007 12/2010 170 0 O9 - - -
XXXXX420 TERMS=
MR=2 ECOA=J B / EFX=01,XPN=01,TU=01 DLA=09/2007
DEL DATES=,03/2008=I ,02/2008=I
PP START DT= 03/2008 PP=99
ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE; ORIGINAL
CREDITOR: 08 BANK OF THE WEST; ORIGINAL CREDITOR: BANK OF THE WEST;
ACCOUNT PAID; COLLECTION ACCOUNT; SETTLEMENT ACCEPTED ON THIS ACCOUNT;
ACCOUNT PAID FOR LESS THAN FULL BALANCE; SETTLEMENT ACCEPTED ON THIS
ACCOUNT
It's an old Bank Of The West account that went to collections with The Best Service Company. It was paid off years ago, so what does that 12/2010 notation mean??? I definitely did not have any activity on the account in December of last year! Do I send a letter to Bank Of The West, or The Best Service Company, or both? If to Bank Of The West, should I write to the branch where I had the account, or headquarters?
Here's what the second looks like:
NCO FIN/51 06/2007 09/2007 127 0 I9 - - -
XXXXX399 TERMS=
MR=2 ECOA=I B / XPN=01,EFX=01,TU=01 DLA=11/2006
DEL DATES=,08/2007=I
PP START DT= 09/2007 PP=X9
TYPE OF LOAN: COLLECTION / ATTORNEY FEES
PAID; ORIGINAL CREDITOR: MEDICAL PAYMENT DATA; ORIGINAL CREDITOR:
MEDICAL; MEDICAL; ACCOUNT PAID; PAID COLLECTION; COLLECTION ACCOUNT
This was a bill from my local hospital (I think?) that was in collections with NCO Financial Systems. Same thing, to whom do I send the letter?
Thanks!
Send both (NCO & Best whomever) a GW letter asking for deletion. GWs and PFDs always go to whomever is reporting.
12/2010 could be date last reported. At the top of the column in your report it should state what that perticular column is for. It's not uncommon to see an update from time to time.