topic Providian... WaMu... JPMorgan Chase... where do I contact? in Rebuilding Your Credit

Providian... WaMu... JPMorgan Chase... where do I contact?

Bklyn395 — Mon, 06 Oct 2008 19:55:38 GMT

Hello all! I'm sure some might recognize my WaMu/Providian pains from the past. In a nutshell: I had a Providian account - bought a computer with it - lost my job - stopped paying my card - went to collections - Arrow Financial filed suit - I paid to avoid suit in 1/08 - account closed - Arrow deleted account after GW 8/08.

Here are my current status as reported by WaMu/Providian. So my question is since each one is reported differently and two of them aren't even reporting my account and closed, where do I send my letters? Are there any suggestions of what to say? Is this now a Chase issue?

Thanks!

Experian:

Wash Mutual/Providian Status as of - Aug, 2005

Date opened - Mar, 2004

Date of last activity - Jul, 2005

Date of last payment - Aug, 2005

Date closed - Not Reported

Account number - XXXXXXXXXX

Loan type - Credit Card, Terms REV

Credit limit - $1,500

Largest past balance - $2,056

Terms - Not Reported

Account Type - Revolving

Account holder - Individual

Scheduled payment amount - Not Reported

Descriptions - None on Record

No contact information provided by Experian

Balance Current Status Past Due Amount

Not Reported Account transferred to another office Not Reported

Seven year payment history

30 days late 2 times (Feb 2005, Sep 2004) 60 days late 1 time (Mar 2005) 90+ days late 4 times (Jul 2005, Jun 2005, May 2005, Apr 2005)

Equifax:

Credit Card Wamu/Prvdn

Status as of - Dec, 2007

Date opened - Mar, 2004

Date of last activity - Jan, 2005

Date closed - Not Reported

Account number - Not Reported

Loan type - Not Reported

Largest past balance - $1,500

Terms - Not Reported

Account Type - Revolving

Account holder - Individual

Scheduled payment amount - $1,565

Descriptions: Account transferred or sold

Balance Current Status Past Due Amount

$0 120+ days past due Not Reported

Seven year payment history

30 days late 2 times

60 days late 1 time

90+ days late 4 times (Jul 2005, Jun 2005, May 2005)

Worst Delinquency

120+ days past due

TransUnion:

Credit CardWashmtl/Prov

Status as of - Aug, 2005

Date opened - Mar, 2004

Date of last activity - Aug, 2005

Date paid out - Aug, 2005

Date closed - Aug, 2005

Account number - XXXXXXXXXX

Loan type - Credit Card

Credit limit - $1,500

Largest past balance - $2,056

Terms - Not Reported

Account Type - Revolving Account

Account holder - Individual Account

Scheduled payment amount - Not Reported

DescriptionsPurchased by another lender

Balance Current Status Past Due Amount [?]

$0 120 days past due $0

Seven year payment history

30 days late 4 times (Feb 2005, Sep 2004, Nov 2002, May 2002)

60 days late 2 times (Mar 2005, Nov 2002)

90+ days late 8 times (Jul 2005, Jun 2005, May 2005, Apr 2005, Mar 2003, Feb 2003, Jan 2003, Dec 2002)

Message Edited by ekb117 on 10-06-2008 03:55 PM

Re: Providian... WaMu... JPMorgan Chase... where do I contact?

Miner — Tue, 07 Oct 2008 00:28:53 GMT

If you pull your credit report directly from one of the 3 providers, it will have full contact addresses on the report. Go get your free annual credit report at annualcreditreport.com

Re: Providian... WaMu... JPMorgan Chase... where do I contact?

Anonymous — Tue, 07 Oct 2008 01:15:59 GMT

What is the DOFD? You need to look at you CR

Re: Providian... WaMu... JPMorgan Chase... where do I contact?

Bklyn395 — Thu, 09 Oct 2008 20:10:05 GMT

I already pulled my annual credit reoprt from all three bureaus earlier in the year, so this is going on older information. Everyon reports a different DOFD, but the one that sounds correct is 9/2004. Thanks!

Re: Providian... WaMu... JPMorgan Chase... where do I contact?

Anonymous — Thu, 09 Oct 2008 20:20:21 GMT

Most CCC will not delete after it is COd. This has been sold so they, CCC, will not update unless you file a dispute or the OC to make a change in some way. When it updates you will see a score drop!!! FICO reads CO and the date reported!!

Re: Providian... WaMu... JPMorgan Chase... where do I contact?

Bklyn395 — Thu, 09 Oct 2008 21:54:09 GMT

Oh so then is it better to leave it on there as is until next year and then tell then to delete as a paid collection? That will be the 5 year mark from DOFD. Or am I misinterpeting that rule? I am in NY.

It's weird because I paid this off with Arrow, who responded to my letter with a deletion because they were reporting incorrectly. So as far as my credit report appears, this card is past due with no collections on it. Grrrr!

Thanks for the help!!!