topic Re: Please help me understand this alert in Understanding FICO® Scoring

Please help me understand this alert

golo — Sat, 02 Jun 2012 14:48:39 GMT

The last activity date change from the previously reported and also the balance is blank on the newly reported.What is that all about? Thank you for your input.

SEARS/CBNA

(XXXXXXXXXXXX8832)

Show/Hide Details

Account opened: 5/2002

Description: 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:	11/1/2006	1/1/2007
Description:	Consumer disputes this account information Charge off account Charge Amount in H/C column is credit limit	Charge off account Charge Amount in H/C column is credit limit

Contact: SEARS/CBNA, PO Box 6282, Sioux Falls, SD, 571176282

Re: Please help me understand this alert

llecs — Sat, 02 Jun 2012 15:12:28 GMT

How does it show on your CR now? Maybe they sold it?

Re: Please help me understand this alert

golo — Sat, 02 Jun 2012 15:19:21 GMT

Thank your for your response llecs,that is an alert i just got.I don't know how it shows i guess untill i make another pull,ugh.But that is what sc alert me.

Re: Please help me understand this alert

llecs — Sat, 02 Jun 2012 15:21:47 GMT

There's no way to tell from the alert alone. I bet they had sold it and updated the balance.

Re: Please help me understand this alert

golo — Sat, 02 Jun 2012 16:59:21 GMT

Sold it to who? To CBNA? Should ask for validation to sears or cbna? Why and how they can change the DOLA? Isn't that as i haven't done anything to alter the DOLA? Sorry for so many questions I just want to clean my report,but i don't want them to take advantage of my lack of knowledge.Thank you in advance.