Hi all! I'm new here but ya'll are so helpful and informed I know you will lead me in the right direction. I have this account w/ fairlane that I've been battling w/ cra's/oc for awhile now. Brief background,
successfully removed the duplicate that was reported as c/o and score drops a few points. perplexed as to why that would occur, I do some investigating and there are some inaccuracies. Here' what on eq w/ my concerns;
Account Number: xxxxxxxx *incorrect
Account Owner: Individual Account.
High Credit: $14,338
Credit Limit: $0
Date Opened: 2001/08
Date Reported: 09/2009
Amount Past Due: $0
Date of Last Payment: 11/2008 *bk was dc 11/12/08*
Actual Payment Amount: $0
Scheduled Payment Amount: $345 *showing on t/u as payment, that need to be removed, right)
Date of Last Activity: N/A
Date Major Delinquency First Reported: 11/2008 *can they dofd reported after confirmation or d/c since this date is unspecific?
Charge Off Amount: $0
Date of First Delinquency: 10/2005
Comments: Account involved in chapter 13 debt adj
TIA! I started compulsively disputing a few months ago, w/out understanding the process. Now I'm ready to tackle it the right way if ya'll will be so kind as to steer me in the right direction. Oh and one more quick question, a few things have flip-flopped from incl in 13/WEP, and score has suffered. What's up w/ that? I thought they were classified as the same.