topic Re: Need help with this account in General Credit Topics

Need help with this account

Kooliad — Fri, 04 Jan 2008 04:30:13 GMT

I need help with this account. I would like to know if this account is killing my score and what can I do about it? This is part 1

WFFINANCE

Account No.: **** **** **** Condition: Closed Closed (Paid) Closed (Paid) Balance: $0 $0 Type: Note loan Note loan Pay Status: Current Current Two Year Payment History:

Re: Need help with this account

Kooliad — Fri, 04 Jan 2008 04:32:52 GMT

part 2

More about WFFINANCE Close window Remarks: [TransUnion] Account information disputed by consumer, meets FCRA requirements [Experian] Customer disputed account - reported by subscriber.
Account legally paid in full for less than the full balance. [Equifax] Consumer disputes this account information
Closed or paid account/zero balance TransUnion Experian Equifax Past Due: $0 High Balance: $0 $500 $0 Terms: Limit: $500 Payment: $0 Opened: 04/22/1999 04/1999 04/1999 Reported: 02/01/2002 02/14/2002 11/2007 Responsibility: Individual Individual Individual

Late Payments (last 7 years): TransUnion Experian Equifax days late: 5 3 3 days late: 2 2 2 days late: 2 1 2

Re: Need help with this account

fused — Fri, 04 Jan 2008 04:37:02 GMT

Hi Kooliad, I'm going to move this thread to the General Credit Issues Forum.

Re: Need help with this account

Anonymous — Fri, 04 Jan 2008 05:26:24 GMT

Why is Tu reporting 5 30 days? How long ago are these lates? (for the second part)

Re: Need help with this account

SmartCookie — Fri, 04 Jan 2008 06:05:35 GMT

I don't see any major problem other than it would be good if the account was scrapped. What did you dispute? Caused them to update.

If you could please reformat the triple pull... it is really hard to view.

Re: Need help with this account

Kooliad — Sat, 05 Jan 2008 00:32:39 GMT

SmartCookie wrote:
I don't see any major problem other than it would be good if the account was scrapped. What did you dispute? Caused them to update.

If you could please reformat the triple pull... it is really hard to view.

SmatCookie I was disputing the account because the 1st late payment was in May 2000

Re: Need help with this account

Kooliad — Sat, 05 Jan 2008 00:34:46 GMT

Now it show as if the late payment and charge off was in nov 2006. Not true it was in 2000

Kooliad wrote:

SmartCookie wrote:
I don't see any major problem other than it would be good if the account was scrapped. What did you dispute? Caused them to update.

If you could please reformat the triple pull... it is really hard to view.

SmatCookie I was disputing the account because the 1st late payment was in May 2000

Re: Need help with this account

SmartCookie — Sat, 05 Jan 2008 09:21:37 GMT

I can't even see what you are looking at but the status is showing current.

Maybe you could enter the 3 CRA TLs seperately? Could be just my screen but I can't even view the whole page at once to see that, and all three CRA columns are squashed into other columns.

But to get right to what you are saying without viewing it... if this was charged off in 2000 and you had PIF the charge off, it should have fallen off or been on the verge by now due to CRTP. Do you have the DOFD/LA dates?

Re: Need help with this account

Kooliad — Sat, 05 Jan 2008 15:51:13 GMT

SmartCookie or someone see if you can read this one better.

WFFINANCE?

Condition:

Closed (TU)

Closed (Paid) (EX)

Closed (Paid) (EQ)

Balance:

$0 (TU)

(EX)

$0 (EQ)

Type:

Note loan (TU)

Note loan (EX)

Nothing (EQ)

Pay Status:

Current (TU)

Nothing (EX)

Current (EQ)

Two Year Payment History:

120 days nov 06 (TU)

CO nov 06 (EX)

Nothing (EQ)

Re: Need help with this account

SmartCookie — Sat, 05 Jan 2008 15:56:26 GMT

Need the DOFDs/DOLA

When did you pay the account off?

Re: Need help with this account

Kooliad — Sat, 05 Jan 2008 16:16:30 GMT

WFFINANCE Remarks: [TransUnion] Account information disputed by consumer, meets FCRA requirements

[Experian]Customerdisputed account reported by subscriber.Account legally paid in full for less than the full balance.

[Equifax]Consumerdisputes this account information Closed or paid account/zero balance

TransUnion Experian Equifax

Past Due: $0

High Balance: $0 $500 $0

Terms:

Limit: $500

Payment: $0

Opened: 04/22/1999 04/1999 04/1999

Reported: 02/01/2002 02/14/2002 11/2007

Responsibility:

Late Payments (last 7 years):

TransUnion Experian Equifax

30 days late: 5 3 3

60days late: 2 2 2

90 days late: 2 1 2

Re: Need help with this account

Kooliad — Sat, 05 Jan 2008 16:18:23 GMT

SmartCookie wrote:
Need the DOFDs/DOLA

When did you pay the account off?

DOLA was in may 2000

paid off in nov 2000