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I have searched for answer...and can't seem to find one. I want this TL off the CR. It is not about the money. I don't care about paying it. The reporting is killing me!!!! So here's how it looks... can someone please help, thanks! It is within the SOL(Florida), the original creditor reporting balance as $0.
Transunion
Status as of [?] Mar, 2010
Date opened [?] Jan, 2009
Date of last activity [?] Feb, 2010
Date paid out [?] Not Reported
Date closed [?] Not Reported
Account number [?] XXXXXXXX4117
Loan type [?] Factoring Company Account
Credit limit [?] Not Reported
Largest past balance [?] $555
Terms [?] Not Reported
Account Type [?] Open Account
Account holder [?] Individual Account
Scheduled payment amount [?] Not Reported
Descriptions [?] Paying under partial or modified payment agreement
It is reporting as a collection account with a balance of $300 and past due balance of $300
Seven year history : No +30,+60,+90 or worst deliquency reported
Equifax
Credit Account Lvnvfundg
Status as of [?] Mar, 2010
Date opened [?] Jan, 2009
Date of last activity [?] May, 2007
Date closed [?] Not Reported
Account number [?] Not Reported
Loan type [?] Not Reported
Largest past balance [?] $555
Terms [?] Not Reported
Account Type [?] Open Account
Account holder [?] Individual
Scheduled payment amount [?] $0
Descriptions [?] Collection account Paying under a partial or modified payment agreement
It is reporting as +120days past due, with a balance of $300 and a past due amount of $300
Seven year history : No +30,+60,+90 or worst deliquency reported
Send a DV. If they verify and you agree, then send a PFD.
I stupidly let my 30 days lapse, and I have already begun paying on it. I have called resurgent and they say they can not remove accurate information. can I dispute how it is reporting with CRAs?
I don't see anything wrong with the reporting. You really should pull directly from the CRA to get a clearer picture.
I would still DV it and if they respond send a PFD for the balance due or a settlement offer if you want to pay less.