topic Re: Double posting on Credit report in General Credit Topics

Double posting on Credit report

Anonymous — Fri, 14 Mar 2008 15:29:09 GMT

I have a OC that is on my credit report that has a zero balance. The OC sold the account to a CA, which is also listing on my credit. Is there anything that I can submit to the OC to have them removed from my report?

Re: Double posting on Credit report

blauthsp — Fri, 14 Mar 2008 16:00:15 GMT

Personally, I would jsut shoot a fax over to the CRA's saying there is an error on the credit report. Not sure if it will work though.

Re: Double posting on Credit report

Anonymous — Fri, 14 Mar 2008 16:44:49 GMT

gingergirl wrote:
I have a OC that is on my credit report that has a zero balance. The OC sold the account to a CA, which is also listing on my credit. Is there anything that I can submit to the OC to have them removed from my report?

The OC and CA are both allowed to report. Sorry.

Re: Double posting on Credit report

iltph — Fri, 14 Mar 2008 16:50:08 GMT

What if they are reporting different dates for the DOFD? Could they both be disputed for reporting inaccurate information?

Re: Double posting on Credit report

Anonymous — Fri, 14 Mar 2008 17:01:41 GMT

iltph wrote:
What if they are reporting different dates for the DOFD? Could they both be disputed for reporting inaccurate information?

Sure

Re: Double posting on Credit report

Anonymous — Fri, 14 Mar 2008 17:30:03 GMT

HSBC Back

Balance $0

Date Verified 06/2007

High Balance $535

Credit Limit $0

Date Opened 08/2006

Date Closed 02/2007

Date Paid 10/2006

Portfolio Recovery

Balance $576

Date Verified 12/2007

Original Amount $576

Past Due $576

Portfolio Recovery doesnt have any other dates.

Re: Double posting on Credit report

iltph — Fri, 14 Mar 2008 17:34:39 GMT

Where did you get this info? myFICO doesn't really have good info on dates and such. If you go to the CRA's website and go to the dispute page you can see a lot more info than one myFICO provides.

Re: Double posting on Credit report

Anonymous — Fri, 14 Mar 2008 17:34:44 GMT

gingergirl wrote:
HSBC Back
Balance $0
Date Verified 06/2007
High Balance $535
Credit Limit $0
Date Opened 08/2006
Date Closed 02/2007
Date Paid 10/2006

Portfolio Recovery
Balance $576
Date Verified 12/2007
Original Amount $576
Past Due $576

Portfolio Recovery doesnt have any other dates.

This is recent. Is the debt yours? If so, you are still SOL on this. If you dispute, Portfolio could come after you with a suit.

Re: Double posting on Credit report

Anonymous — Fri, 14 Mar 2008 17:40:59 GMT

I got all of the dates off my TU CR. These are current accounts, that I am trying to take care of. Im sending a DV letter today.

Re: Double posting on Credit report

Anonymous — Fri, 14 Mar 2008 17:42:20 GMT

If you DV make sure you have the money to PIF!

Try to offer PFD if they validate.

Re: Double posting on Credit report

Anonymous — Fri, 14 Mar 2008 17:44:46 GMT

On you CR, underneath each account does it say "This account scheduled to remain on your credit report until: " or something to those effects?

gingergirl wrote:
HSBC Back
Balance $0
Date Verified 06/2007
High Balance $535
Credit Limit $0
Date Opened 08/2006
Date Closed 02/2007
Date Paid 10/2006

Portfolio Recovery
Balance $576
Date Verified 12/2007
Original Amount $576
Past Due $576

Portfolio Recovery doesnt have any other dates.

Re: Double posting on Credit report

Anonymous — Fri, 14 Mar 2008 17:48:25 GMT

Yes, 09/2013.

I am trying to buy a home and I want to improve my credit as fast as possible. I have the money to PIF, but I only want to do that if it is deleted from CRA. Will my score go up much if I PIF but the CA or OC doesn't delete?

Re: Double posting on Credit report

Anonymous — Fri, 14 Mar 2008 17:58:30 GMT

You can offer PFD and I am not sure if HSBC is open to GW's. I would try anyway, it doesn't hurt to ask.

I doubt score will be affected much unless you get them deleted. Regardless, your lender is more than likely going to request that it is paid.