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so I disputed a target card....It doesn't report under "negative accts" now on my equifax complete account, it reports on my "installment accounts" should I try to GW it?
it used to look like this...
TARGET NATIONAL BANK
C/O TARGET CREDIT SERVICES
PO BOX 673
MINNEAPOLIS, MN-55440-0673
Account Number: | 37533XXXX | Status: | CHARGE-OFF |
Account Owner: | Individual Account. | High Credit: | |
Type of Account | Revolving | Credit Limit: | $200 |
Term Duration: | Terms Frequency: | Monthly (due every month) | |
Date Opened: | 11/26/2006 | Balance: | $0 |
Date Reported: | 10/26/2011 | Amount Past Due: | |
Date of Last Payment: | 02/2007 | Actual Payment Amount: | |
Scheduled Payment Amount: | Date of Last Activity: | N/A | |
Date Major Delinquency First Reported: | 10/2007 | Months Reviewed: | 24 |
Creditor Classification: | Activity Designator: | N/A | |
Charge Off Amount: | Deferred Payment Start Date: | ||
Balloon Payment Amount: | Balloon Payment Date: | ||
Date Closed: | Type of Loan: | Credit Card | |
Date of First Delinquency: | 04/2007 | ||
Comments: | Consumer disputes - reinvestigation in progress |
81-Month Payment History
Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
2011 | CO | CO | CO | * | * | * | * | * | * | |||
2010 | CO | CO | CO | CO | CO | CO | CO | CO | CO | CO | CO | CO |
2009 | CO | CO | CO | CO | CO | CO | CO | CO | CO | CO | CO | CO |
2008 | * | * | * | * | * | * | * | * | * | CO | CO | CO |
2007 | * | * | * | * | * | * | * | * | * | * | * | * |
2006 | * |
they updated it to look like this:
Account Number: | 37533XXXX | Status: | PAYS AS AGREED |
Account Owner: | Individual Account. | High Credit: | $687 |
Type of Account : | Revolving | Credit Limit: | $200 |
Term Duration: | Terms Frequency: | Monthly (due every month) | |
Date Opened: | 11/03/2006 | Balance: | $0 |
Date Reported: | 09/03/2012 | Amount Past Due: | |
Date of Last Payment: | 02/2007 | Actual Payment Amount: | $147 |
Scheduled Payment Amount: | $0 | Date of Last Activity: | 04/2007 |
Date Major Delinquency First Reported: | Months Reviewed: | 24 | |
Creditor Classification: | Activity Designator: | Paid and Closed | |
Charge Off Amount: | Deferred Payment Start Date: | ||
Balloon Payment Amount: | Balloon Payment Date: | ||
Date Closed: | 10/2007 | Type of Loan: | Credit Card |
Date of First Delinquency: | N/A | ||
Comments: | Account paid for less than full balance |
Looks pretty positive, except for that little comment. But other than that, it's improved!
Ok cool. thanks for always reassuring me! I am thinking I will just leave it alone lol. I didn't actually pay it so I definitely don't want to ruffle any feathers!! my FAKO eq score did go up some after that I think so looks like I got lucky whew!
You're quite welcome. I made a vow to only use my powers for good. HAHA!!!
Nova, you are knocking them down!! Your siggy is unbelievable.
Thank you! I have spent countless hours on this board and writing emails and sending letters lol. I seriously can't believe what's all happened so far some days! I started with like.... almost 30 baddies from 2006-2008. But I am doing my hardest now that I'm a (mostly haha) responsible adult and would like to buy a house for my daughter and myself next year 5 out of 7 collections are medical that I should never have had to pay so I am doing my best to get that fixed too. It's worth the effort though!
And shogun you never fail to crack me up