For Transunion, I have three accounts listed under "Adverse Accounts." This is how they are listed: (My questions/concerns follow each listing)
Balance: Pay Status: Unrated
Date Verified: 12/2009 Account Type: Installment Account
High Balance: $8,162 Responsibility: Individual Account
Terms: $336 for 31 months Date Opened: 10/2008
Loan Type: Automobile Date Closed: 05/2009
Remark: >Chapter 7 bankruptcy< Date Paid: 06/2009
Estimated dat that this item will be removed: 04/2016
Should 'Balance:' be blank or $0? Is there a difference?
Is 'Date Verified:' considered the last date reported? For instance, recent delinquencies affect your credit more than older ones, so is this the date that is based one?
Should 'High Balance:' and 'Terms:' still be reported?
Should 'Pay Status:' be "Unrated" (what does that mean??) or 'Paid'?
The 'Date Paid:' is the date my bankruptcy was filed, but if it has a date paid listed, why is the pay status "unrated"?
---
Balance: Pay Status: Unrated
Date Verified: 01/2010 Account Type: Open Account
Original Balance: $1,205 Responsibility: Individual Account
Original Creditor: (Creditor's name) Date Closed: 06/2009
Loan Type: Collection Agency Attorney Date Paid: 06/2009
Remark: >Chap. 7/dispute of account information<
Date placed for collection: [08/2009]
Estimated dat that this item will be removed: 05/2016
Should 'Balance:' be blank or $0? Is there a difference?
Is 'Date Verified:' considered the last date reported? For instance, recent delinquencies affect your credit more than older ones, so is this the date that is based one?
Should 'Original Balance:' still be reported?
Should 'Pay Status:' be "Unrated" (what does that mean??) or 'Paid'?
Should 'Account Type:' be "Open Account"? Does this mean it is being reported as still being open?
The 'Date Paid:' is the date my bankruptcy was filed, but if it has a date paid listed, why is the pay status "unrated"?
Obviously, 'Date placed for collection:' should not be AFTER my bankruptcy, but should it be reported at all?
---
Balance: Pay Status: Unrated
Date Verified: 01/2010 Account Type: Open Account
High Balance: $789 Responsibility: Individual Account
Original Creditor: (Creditor's name) Date Opened: 05/2006
Loan Type: Collection Agency Attorney Date Date Closed: 01/2008
Date Paid: 06/2009
Loan Type: Cellular
Remark: >Chap. 7/dispute of account information<
Estimated dat that this item will be removed: 08/2014
Should 'Balance:' be blank or $0? Is there a difference?
Is 'Date Verified:' considered the last date reported? For instance, recent delinquencies affect your credit more than older ones, so is this the date that is based one?
Should 'HIgh Balance:' still be reported?
Should 'Pay Status:' be "Unrated" (what does that mean??) or 'Paid'?
Should 'Account Type:' be "Open Account"? Does this mean it is being reported as still being open?
The 'Date Paid:' is the date my bankruptcy was filed, but if it has a date paid listed, why is the pay status "unrated"?
Obviously, 'Date placed for collection:' should not be AFTER my bankruptcy, but should it be reported at all?
---
I know that is a lot of information and a lot of questions, but I appreciate any answers. I have disputed these several times. Now it is to the point that when I attempt to dispute them online again, I'm told that it has already been investigated and to provide them with new information I might have from the creditor. What should I do next? Contact the creditors?
