topic Re: Different information on same account! Please help. in Rebuilding Your Credit

Different information on same account! Please help.

esmer0924 — Wed, 15 May 2013 16:22:07 GMT

Please help me regarding a charge off on a Best Buy Account that I settled.

This is how it is reporting to the credit bureaus. Please help me if you can. Thanks!

Experian:

Capital One/Best Buy

Status: Paid in Settlement

Creditor's Statement: Account legally paid in full for less than full balance

Date Opened: 8/2006

Reported Since: 9/2006

Last Reported 8/2007

Status Details: This account is schedule to continue on record until June 2013

Account History: Charge Off as of Sep 2006

Transunion:

HSBC Best Buy

Date Opened: 8/2006

Balance: $0

Date Updated: 8/10/07

Last Payment Made: 8/10/07

Pay Status: Current; Paid or Paying as Agreed

Date Closed: 8/10/07

Remards: Disp Invg Comp-Consum Disagrs; >Settled-Less Than Full Blnc< Closed

Status Details: estimated month and year that this item will be removed: 7/14

Equifax:

HSBC/BSTBY

Status as of 3/2013

Date Opened: 8/2006

Description: Consumer disputes after resolution Account paid for less than full balance

Re: Different information on same account! Please help.

Anonymous — Wed, 15 May 2013 16:30:43 GMT

You need to find out the actual DoFD on this account.

Re: Different information on same account! Please help.

esmer0924 — Wed, 15 May 2013 17:15:16 GMT

Will do I have a call into their dispute center a number I got off a letter they had sent to me about a year ago. Once I get a response I will let you know. Thanks!

Re: Different information on same account! Please help.

Anonymous — Wed, 15 May 2013 19:37:50 GMT

You can call the CRAs and ask what the FCRA Compliance Date is.

Or contact the OC and ask them.

Re: Different information on same account! Please help.

esmer0924 — Thu, 16 May 2013 13:47:09 GMT

So I did just that I called each of these places and they all stated that they didn't have access to that information. The creditor said I had to contact their dispute center which I did and had to leave a message. Awaiting a return call and I am hoping they do call. What happens if noone can give me this information? What would be my next steps?

Re: Different information on same account! Please help.

Anonymous — Thu, 16 May 2013 14:33:16 GMT

A creditor has 90 days to give that information to the CRAs so I am not sure why they didn't have access to it. EQ should have a DoFD listed and TU and EX should have a remove by date.

If the creditor doesn't have that information, which they of all people should, do you have any records, statements,etc?

There is a year difference in the removed by date so something is clearly wrong.