topic Re: Duplicate and SOL?? in Rebuilding Your Credit

Duplicate and SOL??

ccarriii — Wed, 05 Nov 2014 22:28:04 GMT

Hi All

Can anyone show me how to determine if these are 2 CA's reporting for the same OC or is one the OC and the other a CA?

If they are both CA's for the same account and the oldest shows a "open date" of 8/2005, shouldnt they both be removed due to SOL?

SST/CIGPFICORP

Address:
4315 PICKETT RD
SAINT JOSEPH, MO 64503
(800) 789-8001
Account Number: 2820....

Address Identification Number: 018587.....

Status:
Account charged off. $1,770 written off.
Status Details:
This account is scheduled to continue on record until Feb 2018.

Date Opened:
08/2005
Date of Status:
06/2014
Reported Since:
02/2014
Last Reported Date:
10/2014

Type:
Credit card
Terms:
N/A
Monthly Payment:
$0
Responsibility:
Individual

Credit Limit:
N/A
High Balance:
$1,182
Recent Balance:
$0
Recent Payment:
$0

--------------------------------------------------------------

NCOFIN / SST

Address:
4315 PICKETT RD
SAINT JOSEPH, MO 64503
No phone number available

Account Number:2820....
Original Creditor: PROVIDIAN BANK

Address Identification Number: 018587.....

Status:
Collection account. $1,849 past due as of Sep 2014.

Date Opened:
12/2011
Date of Status:
11/2011
Reported Since:
12/2011
Last Reported Date:
09/2014

Type:
Collection
Terms:
N/A
Monthly Payment:
$0
Responsibility:
Individual

Credit Limit:
$1,182
High Balance:
N/A
Recent Balance:
$1,849
Recent Payment:
$0

Re: Duplicate and SOL??

Anonymous — Wed, 05 Nov 2014 22:52:42 GMT

Do you not know the approximate time you defaulted on your card?

It looks to me like CIGPFICORP is reporting as OC, since they are listing "Account charged off, $1770 written off". Also they are reporting a 'recent balance' of $0, indicating they have sold the debt. The opened date of 08/2005 would be when the credit card account was first opened - just a couple of months before Providian was purchased by WaMu. Washington Mutual, in turn went belly up in 2008, most of their banking assets being purchased by JP Morgan Chase. From the fall off date of Feb/2018 it would appear you defaulted on the account in mid-2010, is that about right?

Your original Providian credit card would have changed to WaMu shortly after you got it, and then to Chase in 2008 - does that follow your recollections of the account?

Re: Duplicate and SOL??

ccarriii — Wed, 05 Nov 2014 23:11:49 GMT

WOW no wonder i was confused. Thanks for the explanation!

Re: Duplicate and SOL??

Anonymous — Wed, 05 Nov 2014 23:15:20 GMT

Google knows all.....

Re: Duplicate and SOL??

ccarriii — Fri, 07 Nov 2014 18:54:04 GMT

NormanFH,

I also just realized there a 3rd record on the report for the same account, but there is a different account number. Would this one be considered a duplicate?

SST/SYNOVUS

Address:
PO BOX 3997
SAINT JOSEPH, MO 64503
(800) 388-1806 Account Number:
40362......

Address Identification Number: 018587....

Status:
Closed. $1,182 written off.

Date Opened:
08/2005
Date of Status:
08/2014
Reported Since:
08/2007
Last Reported Date:
08/2014

Type:
Credit card
Terms:
N/A
Monthly Payment:
$0
Responsibility:
Individual

Credit Limit:
$1,000
High Balance:
$1,182
Recent Balance:
$0
Recent Payment:
$0

Comment:
Purchased by another lender.

Re: Duplicate and SOL??

ccarriii — Mon, 10 Nov 2014 18:46:03 GMT

anyone?

Re: Duplicate and SOL??

Anonymous — Mon, 10 Nov 2014 19:08:40 GMT

Yup, thats a third report of the same item. Copy the pertinant sections of the report, and send it to them (use the address on the credit file), with the instructions to remove the duplicate entry, since by law only the original creditor and the CA with CURRENT collection authority are allowed to report an unpaid debt/collection.

Re: Duplicate and SOL??

ccarriii — Mon, 10 Nov 2014 19:32:35 GMT

Thanks Again NormanFH

Re: Duplicate and SOL??

ccarriii — Mon, 10 Nov 2014 19:39:32 GMT

Is it legal for SST/CIGPFICORP to report as the OC?

Re: Duplicate and SOL??

Anonymous — Mon, 10 Nov 2014 19:58:40 GMT

These three entities are all interconnected/subsidiaries related to NCO Financial. Only they really know 'who is who' regarding OC and collection divisions. LIke I said, send them a letter showing all three reportings and and reference the law saying only the OC and one CA may report a delinquent debt.

Re: Duplicate and SOL??

ccarriii — Tue, 11 Nov 2014 15:33:04 GMT

Thanks! Sending letter today. Wish me luck.