01-29-2013 06:25 PM
Ahha Tradeline (that's a handy dandy link in your sig)
This is what it says verbatim... (it makes little sense to me)
A2 "APARTMENTCOMPLEXNAME" YC298083 01/08 COL $1600 04/06/08 O9 0 0 0
XPN 1518531 Collection 04/08 1 UNKN $1600 1
HIST -BEFORE 05/08 9
Subscriber may be contacted at 800-xxx-xxxx
A1 "LIBRARYNAME" YC 1980981 10/06 COL $150 05/25/07 O9 0 0 0
XPN 5218863 COLLECTION 02/07 1 UNKN $150 $150 4
HIST BEFORE 06/07 9- - 9
Subscriber may be contactted at
A1 COLLECTION (this is literally what it says) YC 049xv004 08/10 OPN $500 07/12 O9
TU 6305637 PD COLLECTION UNK UNKN $0 $0 1
HIST BEFORE 10/10 9
ChargeOff Date 07/01/2012
Subscriber may be contacted at
The Library info, I would try and do a PFD.
The apartment complex, you need to call the company who put the collection and asked for two thingsa copy of the original lease and the itemized deduction sheet. Because its a contract agreement, depending on the state you live in it has an SOL, I don't know exactly how to assist unless you can state what is in the itemized deduction sheet, which you generally get forwarded to your new address that you provide to your landlord. You can probably dispute it and pay nothing, or you might have to pay a portion of it, or all it.
I had a similar situation, but the difference is I kept the original lease, had the itemized deduction sheet, and a whole lot of leverage. It ended with it taken off my credit report, and my scores start going up from there.
That collection that was a charge off, need to call TU and give them the account number and customer service will tell you who the debtor is. TU has been pretty good at that in the past.
01-29-2013 08:14 PM
01-29-2013 08:19 PM
+1 guiness. The information in this CR is insufficient.
Start with pulling your FREE CR's from (ACR) annualcreditreport.com . they tend to have more info on them, then ones from a 3rd party. The CR's from ACR, come directly from each of the CRA's. You can pull 1 Free CR from TU,EQ and EX every 12 months.
Save your money and Don't Buy the Scores, they are what we call FAKO's.
Pull them from here like she suggested.
01-30-2013 05:29 AM
I have all 3 credit reports from the annualcreditreport.com website.
I'll post the details of which later this evening.
I did figure out who the unknown debt was.
Thanks again for the help!
01-30-2013 05:12 PM - edited 01-30-2013 05:15 PM
Here are the tradelines as listed on the reports:
(These are from TransUnion... is it important to paste what it says on the other two reports? If so, I can)
EOS CCA #63056**
700 LONGWATER DRIV
NORWELL, MA 02061
Placed for collection:
Last Payment Made:
Pay Status: >Account Paid in Full; was a
Date Closed: 09/30/2010
Date Paid: 09/30/2010
This one is confusing because it was a Joint account with a roommate (and it says individual) And I believe we didn't leave a balance...
NATIONAL CREDIT SYSTEMS #15185**
PO BOX 312125
ATLANTA, GA 311312125
Placed for collection:
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: 11/2014
I believe this was wrongfully charged.... They kept my security, then apparently charged me what my security would have been. I don't believe I have a copy of the lease.
This one is only reported on Experian
UNIQUE NATIONAL COLLECTION
Address: Account Number: Original Creditor:
119 E MAPLE ST 5218863 PUBLIC LIBRARY
JEFFERSONVILLE, IN 47130
Address Identification Number:
Status: Collection account. $146 past due as of May 2007.
Status Details: This account is scheduled to continue on
record until May 2013.
Date Opened: Type: Credit Limit/Original Amount:
10/2006 Collection $146
Reported Since: Terms: High Balance:
02/2007 1 Months NA
Date of Status: Monthly Payment: Recent Balance:
02/2007 $0 $146 as of 05/2007
Last Reported: Responsibility: Recent Payment:
05/2007 Individual $0
MAY APR MAR FEB
Collection as of May 2007, Feb 2007
01-30-2013 05:18 PM
So, I'm not sure if I should dispute these? I'm kind of afraid to do so... If it is "verified" does it reset the 7 year count timer?
Also, My student loan is about $350 underwater from a few years of financial forbearance and interest racking up... How much does this hurt me? Should I make a $400 payment to get the amount I owe less then what I borrowed? What priority should this be?
I applied for a secured Cap One credit card (and was approved with a minimum security deposit)... Should I apply for any others? Should I do that right away or wait a month or so?
Thanks again for any help..
01-30-2013 07:34 PM - edited 01-30-2013 07:34 PM
To ease your mind, nothing resets the 7 year reporting time.
What state are you in?
For the first one listed - There is no balance on the account - paid in full. You can send them a GW letter to ask for it's removal.
Second one - Look up your states landlord/tenant laws. Make sure everything that was to be done when you left was. Like a walk through etc.
The 3rd one is due to fall off in May. I would just leave it alone for now.
I would wait to apply for more.
01-31-2013 07:11 AM
I currently live in Massachusetts... I recently moved here from NY.
The apartment is in Texas.
The utility company is in NY.. The weird thing about this account is .... I didn't pay it? Who did? It's just weird. Does a goodwill letter go to the Utility company or the collection agency?
I checked the tenant laws in Texas... it doesn't say anything about a walkthrough. Hmm.
Again thank you for the input, it is appreciated.
01-31-2013 08:10 AM - edited 01-31-2013 08:10 AM
The GW goes to the one reporting on the CR. It is a CA reporting but it does say account paid in full.
I found this:
Not sure of the circumstances of why you left etc.
01-31-2013 09:32 AM
Thank you for the additonal link. I'll read through today and tonight.
The lease was up, and ExHubs and I moved out... Nothing dramatic actually lol.