topic Re: HELP!!!!!!!!!!!!!! in General Credit Topics

HELP!!!!!!!!!!!!!!

Anonymous — Mon, 03 Dec 2007 04:34:46 GMT

Credit Account Fair Finance Status as of September 2007

Date opened [?] Apr, 2004 Date of last activity [?] Nov, 2004 Account number [?] XX6781 Largest past balance [?] $1,213 Credit Type [?] Installment Account holder [?] Individual Scheduled payment amount [?] $36

Descriptions [?]

Charged off account
Paid by dealer

No contact information provided by Equifax

Balance [?] Current Status [?] Past Due Amount [?] $0 Bad debt/collection Not on Record Seven year payment history [?] 30 days late 1 time (Nov 2004) 60 days late 0 times 90+ days late 0 times

Is there anything in this tradeline that i can dispute??? This is in the open accounts area on my reports and i havent paid on this account in 3 years. they havent even tried to collect payments for it. its for a gym membership. also when i called them they said they sent my account back to the gym they no longer have it. but when i dispute it comes back verified.

Re: HELP!!!!!!!!!!!!!!

Anonymous — Mon, 03 Dec 2007 05:22:26 GMT

You can either MOV the CRA or DV the CA.

Sorry about the abrv. I have wanted to type that for awhile now-

See the Common Abbreviation's thread if needed.

Re: HELP!!!!!!!!!!!!!!

SmartCookie — Mon, 03 Dec 2007 05:25:11 GMT

What was the dispute reason or reasons you used?

I was going to say dispute it since there is no contact info. Since they have told you they don't have the account I am not sure why it was not removed either by them or upon dispute. I would MOV the CRA for starters... but you might want to also DV that CA especially since they currently are not collecting on that account.