Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Here's what I'm looking at...

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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