topic Re: Duplicates or not? in Rebuilding Your Credit

Duplicates or not?

Anonymous — Wed, 26 Aug 2009 04:06:41 GMT

Okay,

Had a cc with providian, who sold it to SST/CIGPFI CORP and Columbus Bank and Trust. Two different companies? Thats what I thought until I looked at their addresses, the same, different account numbers. Both are showing a zero balance but neither have the account anymore. ACI (american coradius international) has the account now but they are not reporting on my cr. What do I do?

Thanks

Re: Duplicates or not?

LIGHTNIN — Wed, 26 Aug 2009 05:05:05 GMT

Does anything else match date opened,DOFD,lates etc?

Re: Duplicates or not?

Anonymous — Wed, 26 Aug 2009 15:30:23 GMT

No, they do not match. One is for 7/2006 and the other is 2/2007. The only thing that is the same is the amount. Should i dvd them both? I know the one that is showing the DOFD for 2/2007 is not right they moved the year, can they do that? The sol for mississippi is 3 years

Re: Duplicates or not?

LIGHTNIN — Wed, 26 Aug 2009 18:36:20 GMT

An OC and CA both can report on the same account. If the OC has a balance, then they own the account.

SST/CIGPFI CORP is a CA and Columbus Bank and Trust is the OC

DOFD is a date set by the OC, and that can not change.

You can not DV a OC, only a CA.

Its better to deal with the OC and a CA

Re: Duplicates or not?

Anonymous — Wed, 26 Aug 2009 22:46:22 GMT

Both are CA, providian is the OC who first sold it to Columbus Bank & Trust. They do indicate it on the cr that it was transfered/sold/paid. Then it was purchased by SST/CIGPFI CORP who no longer has it. I recieve a letter from the CA that have the account back in 2008. I still have that letter to this day. Should i dvd both, since neither owns the account anymore? And what about changing the DOFD, can they do that?

Thanks

Re: Duplicates or not?

LIGHTNIN — Thu, 27 Aug 2009 03:30:41 GMT

Wow there both CA.

I guess you know already providian was mergered or bought out by Washington Mutal in 2005,and recently bought by Chase.Wow what a mess.

Two CA can not report, the same account at the same time,But your has differant acct numbers.

Myfico CR's are used for the FICO score, not there content. You get more detailed and correct info, when you get CR's directly from the CRA's.Therefore, i would suggest to get your CR's from annualcreditreport.com. You may use the link in my siggy below.You can recieve one report from each of the three CRA's per yr.(12 intervals)

Then come back here and post what is reporting on each EX,EQ and TU , about Columbus Bank & Trust &

SST/CIGPFI CORP ..........See you soon

Re: Duplicates or not?

Anonymous — Thu, 27 Aug 2009 13:13:06 GMT

@Anonymous wrote:
Okay,

Had a cc with providian, who sold it to SST/CIGPFI CORP and Columbus Bank and Trust. Two different companies? Thats what I thought until I looked at their addresses, the same, different account numbers. Both are showing a zero balance but neither have the account anymore. ACI (american coradius international) has the account now but they are not reporting on my cr. What do I do?

Thanks

Send the CAs that no longer have the account a DV letter.

Re: Duplicates or not?

Anonymous — Fri, 28 Aug 2009 00:28:57 GMT

Trans Union
CIGPFI CORP

Balance: $1,057
Pay Status: Collection Account
Date Updated: 07/2009
Account Type: Revolving Account
High Balance: $1,057
Responsibility: Individual Account
Past Due: $1,057
Date Opened: 03/2005
Date Closed: 02/2007
Loan Type; Credit Card
Remark: Placed for Collection
Estimated date that this item will be removed: 1/2014

Columbus Bank & Trust

Balance: $0
Pay Status: Payment After Charge Off/ Collection
Date Verified 12/2006
Account Type: Revolving Account
High Balance: $1,128
Responsibility: Individual Account
Credit Limit: $500
Date Opened: 03/2005
Date Closed: 03/2006
Date Paid: 05/2006
Loan Type; Credit Card
Remark: Account closed by credit grantor
Estimated date that this item will be removed: 02/2013

Experian
CIGPF1 CORP

Status: Collection account $1,057 past due as of July 2009
Date Opened: 03/2005
Reported Since: 02/2007
Date of Status: 02/2007
Last Reported: 07/2009
Type: Revolving
Terms: NA
Monthly Payment $0
Responsibility: Individual
Credit Limit/Original Amount: NA
High Balance: $1,057
Recent Balance: $1,057 as of 07/2009
Recent Payment: $0

Status Details: This account is scheduled to continue on record until Dec. 2011
Account History; Collection as of Jul 2009, Jun 2009, Apr 2009, Jun 2008 to Mar 2009, Apr 2008, Feb 2008, Feb 2007 to Jan 2008

Columbus Bank & Trust

Status: Transferred, closed. $1,057 written off
Date Opened: 03/2005
Reported Since: 04/2007
Date of Status: 04/2008
Last Reported: 04/2008
Type: Revolving
Terms:NA
Monthly Payment $0
Responsibility: Individual
Credit Limit/Original Amount: $500
High Balance: $1,128
Recent Balance: NA
Recent Payment: NA

Status Details: This item is verified and updated on Apr 2008
Creditor’s Statement: Account closed as credit grantor’s

Account History: Charge Off as of Mar 2007, Feb 2007
180 days past due as of Jan 2007
150 days past due as of Dec 2006
120 days past due as of Nov 2006
90 days past due as of Oct 2006, Apr 2006
60 days past due as of Aug 2006, Mar 2006
30 days past due as of Jul 2006, Oct 2005

Equifax

Columbus Bank & Trust

Account Number 403624000559xxxx
Current Status Charge-Off
Account Owner Individual Account
High Credit $1128
Type of Account Revolving
Credit Limit $500
Term Duration
Terms Frequency Monthly (due every month)
Date Opened 03/2005
Balance $0
Date Reported 12/2008
Amount Past Due $0
Date of Last Payment 05/2006
Actual Payment Amount $0
Scheduled Payment Amount $0
Date of Last Activity N/A
Date Major Delinquency First Reported 01/2007
Months Reviewed 22
Activity Description Transfer/Sold
Charge off Amount $0
Date Closed
Type of Loan Credit Card
Date of First Delinquency 07/2006
Comments Charge off / Closed by credit grantor

Year JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
2008
2007
2006 90 30 60 90 120 150 CO
2005

CIGPF1 CORP

Account Number 1804xxxx
Current Status
Account Owner Individual Account
High Credit $1057
Type of Account Revolving
Credit Limit $0
Terms Frequency Monthly (due every month)
Date Opened 03/2005
Balance $1057
Date Reported 07/2009
Amount Past Due $1057
Date of Last Payment
Actual Payment Amount $0
Scheduled Payment Amount $1057
Date of Last Activity N/A
Date Major Delinquency First Reported 12/2008
Months Reviewed 25
Activity Description N/A
Charge off Amount $0
Date Closed
Type of Loan Credit Card
Date of First Delinquency 02/2007
Comments

Year JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
2009 CA CA CA CA CA
2008 CA CA CA CA CA CA CO CA
2007 CA CA CA CA CA CA CA CA CA CA CA
2006

Re: Duplicates or not?

Anonymous — Fri, 28 Aug 2009 01:02:08 GMT

This CR is dated 3/2008, Wamu/Prvn are no longer on my CR. I DVD them and they deleted their information. I kept the old CR.

Wamu/Prvdn

Status as of Mar 2006
Date Opened Mar 2005
Date of Last Activity Jan, 2006
Date Closed Not Reported
Largest past balance $500
Balance $0
Current Status 30 past due
Past Due Amount No Reported
Account Type Revolving
Account Holder Individual
Scheduled Payment Amount $23
Account Status Account is inactive
Descriptions: Account closed at consumer’s request. Account transferred or sold

30 days late 2times (Feb 2006, Sep 2005)

Re: Duplicates or not?

LIGHTNIN — Fri, 28 Aug 2009 19:39:57 GMT

Hi babygirl039,

Thank you so much for the last 2 post. Sorry you had to type so much.But its hard to give advice when you don't have all the info.

This is what I think--Columbus Bank is an lender not a CA because on EX & EQ you have lates posted and balance $0.On EX it says verified and updated4/08 that's when it was disputed.CA can not report lates.

Look at EX Columbus Bank acct history-Looks like you made payment in may06 because missed june06payment and shows 30days past due jul2006.TU & EQ Columbus bank has your last payment May-2006.

So your DOFD would be july 2006

You said ACI has the account now.So sending a DV to SST/CIGPFI CORP would be OK.

Did ACI send you a dunning letter? Just wonder how you know ACI has the account now.

Re: Duplicates or not?

Anonymous — Fri, 28 Aug 2009 20:38:06 GMT

did you DV chase bank?

Re: Duplicates or not?

Anonymous — Fri, 28 Aug 2009 22:35:56 GMT

This is the letter that was sent to me by ACI.

03-10-08

Re: CIGPF1 Corp
Account Number: 1232112728 Account Balance: $1057.16

Dear*******,

We are writing to you regarding your CIGP1 Corp account. This account has been placed with our office for collection.

As of the date of this letter you owe$1057.16. Because of interest, late charges, and other changes that may vary from day to day, you pay may be greater. Hence if you pay the amount shown above, an adjustment by be necessary after we receive your payment. If an adjustment is made, we may attempt to contact you again about the adjustment. For further information, writhe the undersigned or call 1-888-400-7804.

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or nay portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor.

Sincerely,

American Coradius International LLC
A Professional Debt Recovery Agency

Re: Duplicates or not?

Anonymous — Fri, 28 Aug 2009 22:58:03 GMT

Okay, here's what I found out. Columbus Bank & Trust is a bank that emerged with Providian and Providian sells their cc to them without customers knowing it. I surfed the web and got that and also CIGPF1 is a CA. Should I DVD both?

Thanks

Re: Duplicates or not?

LIGHTNIN — Sat, 29 Aug 2009 04:30:04 GMT

Thanks for the complete info.That makes it sooooo much easier to give advice

ACI and CIGPF1 CORP are working together. One or the other is probably a parent company or sister company etc.

CA are always buying & selling accounts that's the reason for the DV,so you don't pay the wrong CA.

Make sure you are out of SOL(check your stateSOL laws)to make sure you didn't do something to reset it.(moving or making a payment some state have these laws some don't)

As long as you have the money.( If you got the money honey, i got the time.We'll go honky-tonkin'..........Sorry 'bout that---Old country western song) I have fibro fog sometimes...its like a "senior moment" for people like me who have fibromyalgia. OK I'm better now

1) DV CIGPF1 to the contact address probably one of the last pages of your CR.

2) Wait, if or when they validate, Do a PFD---As far as mine I pd anywhere from 30% to100%.

3) CA may tell the lender (Columbus Bank) that you paid,that will then update to paid or settled paid less then balance.

4) GW Columbus Bank(acting OC I think that's what u would call them) to remove from your CR---Only if doesn't bother your AAoA.

Good luck to you ,Sorry to be longwinded, I would like to be short and to the point like the other wise people here, but haven't been able to accomplish that yet

Message Edited by LIGHTNIN on 08-29-2009 12:16 AM

Message Edited by LIGHTNIN on 08-29-2009 12:30 AM

Re: Duplicates or not?

LIGHTNIN — Sat, 29 Aug 2009 04:48:00 GMT

FYI in case you didnt know--Sometimes account that are not CA.That have lates on them, can turn into Good accts at the 7 or 7 1/2 year mark.And then stay on your CR for 3 more years. But dont know why,some do some dont.

I just resently, had one that flipped to a good acct.

BTW. I think you are getting good that this Just to let you know i noticed.

Google is my friend and yours too now. Dont forget to use the search box here too.

FYI it didnt take Columbus Bank & Trust but it took Columbus Bank.

I dont know if there is any reporting violations,concerning these 2 accts on your CR, that you can use. I'm still learning how all of this works. Maybe someone here will chime in and let you know.

Message Edited by LIGHTNIN on 08-28-2009 11:55 PM

Message Edited by LIGHTNIN on 08-29-2009 12:48 AM

Re: Duplicates or not?

Anonymous — Sat, 29 Aug 2009 19:55:52 GMT

I do have a question about the dates. From looking at the Equifax report Columbus Bank is reporting DOFD 7/2006, DMDFR (date major delinquency first reported) 1/2007, and CIGPF1 is reporting DOFD 2/2007,DMDFR 12/2008. Is this in error or is this reporting correctly? Or does it matter at all?

Re: Duplicates or not?

LIGHTNIN — Sun, 30 Aug 2009 00:17:51 GMT

Equifax report Columbus Bank is reporting DOFD 7/2006 I believe that's right.

DMDFR (date major delinquency first reported) They don't use only the DOFD
CIGPF1 is reporting DOFD 2/2007,CA don't always get the dates right. I think its an error possiable a violation,unsure

It maybe something you can use to your advantage.

Look @ message 9--CR as of Mar 2006, your dola Jan2006/and 30days late Feb2006

That where Feb is coming in on the other CR .Go to EX CR Columbus Bank.You know payment was made Jan 2006

Feb was 30days late/ Mar06- 60days late/Apr06-90 days late

Then you brought account CURRENT in May06 Then NEVER bought current again

So jun06 payment not made, that would make it 30days late in Jul2006 = DOFD

I believe somewhere along the line they didn't see May06 payment and didn't update DOFD when the account was charged off.

Check out TU they are going by the closed date to est the date of removal.Thats not right

Your dates are all over the place, very confusing, wow. There is poss violations I think not sure.

If you want to bring up 2 myfico windows on your computer, copy and paste your cr,into new message and ask if there is any violations in the subject line, but be clever about wording-like-- Just a test , ha ha Can you find ANY violations?

All I know is OC go by one set of rules they can do, and CA a diff sett of rules.Sorry I don't know enough about violations yet, I guess we both can learn

Message Edited by LIGHTNIN on 08-29-2009 08:17 PM