Frequent Contributor
novabama
Posts: 305
Registered: ‎08-24-2012
did this turn positive-ish? should i try to GW?

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 RevolvingCredit 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

 

YearJanFebMarAprMayJunJulAugSepOctNovDec
2011COCOCO******   
2010COCOCOCOCOCOCOCOCOCOCOCO
2009COCOCOCOCOCOCOCOCOCOCOCO
2008*********COCOCO
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 :RevolvingCredit 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  

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