I've been disputing a charge off that has been "forgiven" and a 1099 issued for the whole balance,yet Sears/CBNA still reporting a current balance for the whole amount and it's killing my util in EQ. Interesting while this TL is in dispute my score goes up and down,to the point that i have received SW alerts saying that my score have gone,then the next day another one saying that it had gone down,and it just say the same thing,i think i have the fico gods working overtime,lol, look below:
Alert date | Details |
Show/Hide Details | SEARS/CBNA (XXXXXXXXXXXX8832) |
Account opened: 5/2002 Description: Consumer disputes this account information Charge off account Charge Amount in H/C column is credit limit | Previously reported | Newly reported | Balance: | $778 | | Past due: | $778 | $778 | Status: | Bad Debt; Placed for collection; | Bad Debt; Placed for collection; | Last activity: | 1/1/2007 | 1/1/2007 | Description: | Consumer disputes - reinvestigation in process Consumer disputes this account information Charge off account Charge | Consumer disputes this account information Charge off account Charge Amount in H/C column is credit limit |
Contact: SEARS/CBNA, PO Box 6282, Sioux Falls, SD, 571176282 |
Show/Hide Details | SEARS/CBNA (XXXXXXXXXXXX8832) |
Account opened: 5/2002 Description: Consumer disputes - reinvestigation in process Amount in H/C column is credit limit
| Previously reported | Newly reported | Balance: | $778 | | Past due: | $778 | $778 | Status: | Bad Debt; Placed for collection; | Bad Debt; Placed for collection; | Last activity: | 1/1/2007 | 1/1/2007 | Description: | Consumer disputes this account information Charge off account Charge Amount in H/C column is credit limit | Consumer disputes - reinvestigation in process Amount in H/C column is credit limit
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Contact: SEARS/CBNA, PO Box 6282, Sioux Falls, SD, 571176282 |
Show/Hide Details | SEARS/CBNA (XXXXXXXXXXXX8832) |
Account opened: 5/2002 Description: Consumer disputes this account information Charge off account Amount in H/C column is credit limit
| Previously reported | Newly reported | Balance: | $778 | | Past due: | $778 | $778 | Status: | Bad Debt; Placed for collection; | Bad Debt; Placed for collection; | Last activity: | 1/1/2007 | 11/1/2006 | Description: | Consumer disputes this account information Charge off account Charge Amount in H/C column is credit limit | Consumer disputes this account information Charge off account Amount in H/C column is credit limit
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Contact: SEARS/CBNA, PO Box 6282, Sioux Falls, SD, 571176282 |
Show/Hide Details | SEARS/CBNA (XXXXXXXXXXXX8832) |
Account opened: 5/2002 Description: Consumer disputes - reinvestigation in process Consumer disputes this account information Charge off account Charge | Previously reported | Newly reported | Balance: | $778 | | Past due: | $778 | $778 | Status: | Bad Debt; Placed for collection; | Bad Debt; Placed for collection; | Last activity: | 1/1/2007 | 1/1/2007 | Description: | Consumer disputes - reinvestigation in process Amount in H/C column is credit limit
| Consumer disputes - reinvestigation in process Consumer disputes this account information Charge off account |
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