topic Need Help Please! in Rebuilding Your Credit

Need Help Please!

Anonymous — Sun, 31 Mar 2019 04:08:21 GMT

The following pasted information came from my Credit Plus credit report last month. My credit reports on MyFICO, CK, Wallethub, etc all show IQ Data International as the collection agency reporting. However, Credit Plus only lists Genesys Credit Management with what appears to be IQ Data as the previous collection agency. Am I reading this correctly? If so, why are all my other reports showing IQ Data and not Genesys? Should I dispute with CRAs to have IQ Data removed since they appear to no longer hold the debt, then contact Genesys to see about a settlement? I googled Genesys Credit Management and IQ Data doesnt come up in connection with them. They don't appear to have a website either. Please help me with this. Thanks! Original Tradelines

J.G

File ID: 1

Creditor Name
IQ DATA INTERNATIONAL

Opened
06/17

High Credit
$3,348

Credit Limit
$ — —

Terms
001

Status
COLLECTION

Account Number
IQD0RR*****

Reported
01/19

Balance
$3,593

ECOA
J

30 - 60 - 90+
0 - 0 - 0

Account Type
COLL

KOB
Y

Last Activity
UU/UU

Payment
$ — —

Past Due
$3,593

Bureau
EXPERIAN

Payment History
9999999999-9
9999999

Remarks
ACCOUNT INFORMATION DISPUTED BY CONSUMER; ORIGINAL CREDITOR: EDEN POINTE FL

Trended	12/18	11/18	10/18	09/18	08/18	07/18	06/18	05/18	04/18	03/18	02/18	01/18
Scheduled ($)	—	—	—	—	—	—	—	—	—	—	—	—
Actual ($)	—	—	—	—	—	—	—	—	—	—	—	—
Balance ($)	3579	3567	3552	3541	3529	3514	3503	3488	3477	—	3450	3439

Trended	12/17	11/17	10/17	09/17	08/17	07/17	06/17	05/17	04/17	03/17	02/17	01/17
Scheduled ($)	—	—	—	—	—	—	—	—	—	—	—	—
Actual ($)	—	—	—	—	—	—	—	—	—	—	—	—
Balance ($)	3427	3415	3400	3389	3374	3362	—	—	—	—	—	—

J.G

File ID: 3

Creditor Name IQ DATA INT	Opened 06/17	High Credit $3,348	Credit Limit $ — —	Terms — —	Status COLLECTION
Account Number IQD0RR******	Reported 12/18	Balance $3,579	ECOA J	30 - 60 - 90+ — — - — — - — —
Account Type COLL	KOB Y	Last Activity	Payment $ — —	Past Due $3,579	Bureau TRANSUNION	Payment History
Remarks ACCOUNT INFORMATION DISPUTED BY CONSUMER; ORIGINAL CREDITOR: 09 EDEN POINTE FL

C.G

File ID: 4

Creditor Name IQ DATA INT	Opened 06/17	High Credit $3,348	Credit Limit $ — —	Terms — —	Status COLLECTION
Account Number IQD0RR******	Reported 12/18	Balance $3,579	ECOA J	30 - 60 - 90+ — — - — — - — —
Account Type COLL	KOB Y	Last Activity	Payment $ — —	Past Due $3,579	Bureau TRANSUNION	Payment History
Remarks ACCOUNT INFORMATION DISPUTED BY CONSUMER; ORIGINAL CREDITOR: 09 EDEN POINTE FL

J.G

File ID: 5

Creditor Name GENESYS CREDIT MANAG	Opened	High Credit $3,348	Credit Limit $ — —	Terms — —	Status COLLECTION
Account Number IQD0RR******	Reported 01/19	Balance $3,593	ECOA J	30 - 60 - 90+ — — - — — - — —
Account Type COLL	KOB Y	Last Activity 06/16	Payment $ — —	Past Due $3,593	Bureau EQUIFAX	Payment History
Remarks CONSUMER DISPUTES THIS ACCOUNT INFORMATION; ORIGINAL CREDITOR: EDEN POINTE FL, ASSIGNED ON 06/17

C.G.

File ID: 6

Creditor Name GENESYS CREDIT MANAG	Opened	High Credit $3,348	Credit Limit $ — —	Terms — —	Status COLLECTION
Account Number IQD0RR******	Reported 02/19	Balance $3,593	ECOA J	30 - 60 - 90+ — — - — — - — —
Account Type COLL	KOB Y	Last Activity 06/16	Payment $ — —	Past Due $3,593	Bureau EQUIFAX	Payment History
Remarks ORIGINAL CREDITOR: EDEN POINTE FL, ASSIGNED ON 06/17

Re: Need Help Please!

Fx6cowboy — Sun, 31 Mar 2019 04:41:14 GMT

Is this the same account being reported multiple times or are these different accounts being reported by the same collection agency? I think getting your actual credit reports from the credit reporting agencies may be easier to read.

1. If these are duplicate accounts being reported, I am sure a simple dispute claiming that these accounts are a duplicate account being reported could get them removed.

2. If they are all different then maybe arrange a pay for delete, if the collection company can validate that the debt is yours.

Goodluck

Re: Need Help Please!

Anonymous — Sun, 31 Mar 2019 04:58:50 GMT

It's one debt. The info I posted is what is listed under the cra being reported to when I click on the CA name on my credit plus report. It only lists genesys credit management on credit plus but myfico and Experian only show IQ data. IQ data is listed as closed on 1 or 2 credit reports and open on the other. Same for my husband. It's a joint account

Re: Need Help Please!

Fx6cowboy — Sun, 31 Mar 2019 05:03:37 GMT

In this case you should see how it is reporting on the actual CRAs EQ,TU,EX, Innovis credit file. Then dispute it from the source since it is a reporting error to report the same account mulitiple times.

Re: Need Help Please!

Anonymous — Sun, 31 Mar 2019 05:10:25 GMT

I had a IQ Data collection account on my Credit reports 6 months ago, I sent them a DV letter and without ever hearing back from them the tradeline disappeared. Sending them a DV might be worth your time as it may result in a positive outcome for you.

Re: Need Help Please!

Anonymous — Sun, 31 Mar 2019 08:42:56 GMT

Okay. Thank you. I will double check how its reporting on each cra and then send a DV letter.