NY_Beauty wrote:I really have to look some old checks. I am certain that I paid some of these off with the CA in 2011... The OC (cap one) is still reporting.
CAPITAL ONE
Status: Closed. $1,047 written off.
Status Details:
This item was updated from our processing of your dispute in May 2012.
Date Opened:
05/2005
Reported Since:
06/2005
Date of Status:
08/2010
Last Reported:
08/2010
Type:
Credit card
Terms:
NA
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$500
High Balance:
$1,047
Recent Balance:
$0 as of 08/2010
Recent Payment:
$0
Creditor's Statement: Purchased by another lender.
Payment History:
Account History:
Charge Off as of Jul 2008 to Jul 2010
150 days past due as of May 2008
120 days past due as of Apr 2008
90 days past due as of Mar 2008
60 days past due as of Feb 2008, Jun 2007
30 days past due as of Jan 2008, May 2007
This one has a zero balance, nothing owed to them at this time. Did you pay it or did they sell to CA? Either way, send a GW.
CAPITAL ONE
Status: Account charged off. $1,011 written off. $1,798 past
due as of Dec 2012.
Status Details: This account is scheduled to continue on
record until Jun 2014.
This item was updated from our processing of your dispute in
May 2012.
Date Opened:
04/2002
Reported Since:
05/2007
Date of Status:
04/2008
Last Reported:
12/2012
Type:
Credit card
Terms:
NA
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$500
High Balance:
$1,798
Recent Balance:
$1,798 as of 12/2012
Recent Payment:
$0
Creditor's Statement: Account closed at credit grantor's
request.
Payment History:
Account History:
Charge Off as of Dec 2012, Nov 2012, Oct 2012, Sep 2012,
Aug 2012, Jul 2012, Jun 2012, May 2012, Apr 2008
150 days past due as of Mar 2008
120 days past due as of Feb 2008
90 days past due as of Jan 2008
60 days past due as of Dec 2007, May 2007
30 days past due as of Nov 2007
Balance History - The following data will appear in the following format:
account balance / date payment received / scheduled payment amount / actual amount paid
Nov 2012: $1,798 / August 25, 2007 / no data / no data
Oct 2012: $1,798 / August 25, 2007 / no data / no data
Sep 2012: $1,798 / August 25, 2007 / no data / no data
Aug 2012: $1,798 / August 25, 2007 / no data / no data
Jul 2012: $1,798 / August 25, 2007 / no data / no data
Jun 2012: $1,798 / August 25, 2007 / no data / no data
May 2012: $1,798 / August 25, 2007 / no data / no data
Apr 2012: $1,798 / August 25, 2007 / no data / no data
Mar 2012: $1,798 / August 25, 2007 / no data / no data
Feb 2012: $1,798 / August 25, 2007 / no data / no data
Jan 2012: $1,798 / August 25, 2007 / no data / no data
Dec 2011: $1,798 / August 25, 2007 / no data / no data
Nov 2011: $1,798 / August 25, 2007 / no data / no data
Oct 2011: $1,798 / August 25, 2007 / no data / no data
Sep 2011: $1,798 / August 25, 2007 / no data / no data
Jul 2011: $1,798 / August 25, 2007 / no data / no data
Jun 2011: $1,798 / August 25, 2007 / no data / no data
May 2011: $1,794 / August 25, 2007 / no data / no data
Apr 2011: $1,752 / August 25, 2007 / no data / no data
Mar 2011: $1,752 / August 25, 2007 / no data / no data
Feb 2011: $1,732 / August 25, 2007 / no data / no data
Jan 2011: $1,689 / August 25, 2007 / no data / no data
Dec 2010: $1,668 / August 25, 2007 / no data / no data
Between Dec 2010 and Nov 2012, your credit limit/high balance
was $500
It's got about a year and a half left to report. It show a balance, maybe a PFD if you can afford that. Is it past the SOL?
CAPITAL ONE
Status: Closed. $1,850 written off. Status Details:
This item was updated from our processing of your dispute in May
2011.
Date Opened:
11/1996
Reported Since:
05/2006
Date of Status:
06/2009
Last Reported:
06/2009
Type:
Credit card
Terms:
NA
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$1,400
High Balance:
$1,989
Recent Balance:
$0 as of 06/2009
Recent Payment:
$0
Creditor's Statement: Purchased by another lender.
Payment History:
Account History:
Charge Off as of Apr 2008
150 days past due as of Mar 2008
120 days past due as of Feb 2008
90 days past due as of Jan 2008
60 days past due as of Dec 2007, May 2007
30 days past due as of Nov 2007, Apr 2007
3 1/2 years since the DOFD. It still carries a balance. PFD if possible. May still be in the SOL, save up the money before dealing with them, in case they decide to take you to court.
HSBC BANK
Status: Closed. $289 written off. Status Details:
This item was updated from our processing of your dispute in Jun
2011.
Date Opened:
12/2005
Reported Since:
10/2008
Date of Status:
10/2008
Last Reported:
10/2008
Type:
Credit card
Terms:
NA
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$400
High Balance:
$664
Recent Balance:
$0 as of 10/2008
Recent Payment:
$0
Your Statement:
Completed investigation of FCRA dispute - consumer disagrees.
Creditor's Statement: Purchased by another lender.
Payment History:
Account History:
Charge Off as of Oct 2008
Sold to CA, GW them.
HSBC BANK
Status: Paid in settlement. $406 written off. Status Details: This account is scheduled to continue on
record until Dec 2014.
This item was updated from our processing of your dispute in May
2012.
Date Opened:
11/2003
Reported Since:
12/2008
Date of Status:
12/2008
Last Reported:
12/2008
Type:
Credit card
Terms:
NA
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$500
High Balance:
$812
Recent Balance:
NA
Recent Payment:
NA
Your Statement:
Completed investigation of FCRA dispute - consumer disagrees.
Creditor's Statement: Account legally paid in full for less than
full balance.
Account History:
Charge Off as of Dec 2008
Paid account, send GWs
SALLIE MAE
Status: Paid,Closed. Status Details:
This item was updated from our processing of your dispute in
May 2012.
Date Opened:
11/2005
Reported Since:
12/2005
Date of Status:
11/2011
Last Reported:
11/2011
Type:
Education
Terms:
360 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$10,730
High Balance:
NA
Recent Balance:
NA
Recent Payment:
NA
Payment History:
Account History:
180 days past due as of Sep 2008, Sep 2007 to Dec 2007
150 days past due as of Aug 2008, Aug 2007
120 days past due as of Jul 2010, Jul 2008, Jul 2007, May 2006
90 days past due as of Jun 2010, Jun 2008, Jun 2007, Apr
2006
The original amount of this account was $10,730
Paid, start the GW process
THE BUREAUS INC
Original Creditor:
HSBC CARD SERVICES INC.
Status: Collection account. $600 past due as of Jun 2012. Status Details: This account is scheduled to continue on
record until Dec 2014.
This item was updated from our processing of your dispute in Jun
2012.
Date Opened:
10/2008
Reported Since:
06/2012
Date of Status:
06/2012
Last Reported:
06/2012
Type:
Collection
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$600
High Balance:
NA
Recent Balance:
$859 as of 06/2012
Recent Payment:
$0
Payment History:
Account History:
Collection as of Jun 2012
It's over 5 years old, may be past the SOL, would try for PFD if you could.
Overall, you're not in that bad of shape, nothing that can't be approved on. Now you should take and tackle these. Start with the CA and the GWs, save up for the Cap1 accounts. This can be done!!!!
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