Quicksilver vs Quicksilver One?

[bourgogne]

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@MugenCivicSi83 wrote:

Thanks Bourgogne. I am sending a couple GW letters. I only hav 1-30 day late, CCT is reporting 3, as it is counting my 2 old collections that are PIF as 30 days late each. Can't believe all these reporting sites aren't on the same page as the CRA', it's quite absurd.

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Just to clarify, cct is just a portal for the 3Bs – it reports what is on your actual reports.  Imo you run the risk of having your handy work undone at some point in the future unless you fix the source of the issue(s).  what lender(s) is reporting this late x3, post the details if you wish.  To me I don’t like to take the time to do things unless success is on my side

[MugenCivicSi83]

The late is from August 2015 on my Buckle store card. It currently has a $0 balance. I don't use it enough. I paid it off last month. The other 2 are collections: both PIF'ed; one for $111, one for $47. both medical. from 2011 and 2012 respectively.

[bourgogne]

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@MugenCivicSi83 wrote:

The late is from August 2015 on my Buckle store card. It currently has a $0 balance. I don't use it enough. I paid it off last month. The other 2 are collections: both PIF'ed; one for $111, one for $47. both medical. from 2011 and 2012 respectively.

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Sorry, it’s been a long day but if you had a collection doesn’t that also mean it’s more than 30 days late?  Are you seeing 3 separate entries on the cct for these items from 3 different sources or what?  How long ago did you pay off these collections?  Should have done a pfd on them, still might be able to.  Trying to get your report as clean as you can might make your scores climb.  might.  always ymmv with this stuff

[MugenCivicSi83]

Collection: Account 2, Account 23 30 Day Late: Account 4 Same Account Posted Twice?: Account 24 & Account 27	Credit Bureau	Account Type	Balance	CL	Payment Status	Status	Status Updated	Notes
	Experian
Account 1	American Honda Finance	Installment Loan	$19,238.00	$33,615.00	PAID	Open	9/1/2016	NL: Open: 7/1/2014
Account 2	ATG Credit	Collection	$47.00	$47.00	LATE	Closed	11/1/2011	PIF'ed 9/15/16
Account 3	Chase Freedom	Revolving	$0.00	$2,000.00	PAID	Open	9/1/2016	NL: Open: 6/1/2013
Account 4	Comenity/Buckle	Revolving	$0.00	$680.00	PAID	Open	9/1/2015	30 DL:  Open 10/1/2011
Account 5	Fed Loan	Installment Loan	$0.00	$0.00	PAID	Closed	10/1/2014	NL: Open 9/1/2014
Account 6	Fed Loan	Installment Loan	$0.00	$0.00	PAID	Closed	10/1/2014	NL: Open 9/1/2014
Account 7	Fed Loan	Installment Loan	$7,408.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 9/1/2013
Account 8	Fed Loan	Installment Loan	$5,548.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2010
Account 9	Fed Loan	Installment Loan	$5,588.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2012
Account 10	Fed Loan	Installment Loan	$8,421.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2012
Account 11	Fed Loan	Installment Loan	$5,495.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2011
Account 12	Fed Loan	Installment Loan	$8,926.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2011
Account 13	Fed Loan	Installment Loan	$9,430.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2010
Account 14	Fed Loan	Installment Loan	$6,652.00	$6,500.00	PAID	Open	9/1/2016	NL: Open 12/1/2014
Account 15	Fed Loan	Installment Loan	$985.00	$1,000.00	PAID	Open	9/1/2016	NL: Open 12/1/2014
Account 16	Fed Loan	Installment Loan	$5,623.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 9/1/2013
Account 17	Great American Finance	Installment Loan	$0.00	$1,772.00	PAID	Closed	3/1/2014	NL: Open 3/1/2013
Account 18	Jared Galleria of Jewelry	Revolving	$2,887.00	$4,187.00	PAID	Open	9/1/2016	NL: Open 4/1/2014:
Account 19	Macy's National Bank	Revolving	$0.00	$1,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2014:
Account 20	Nordstrom/TD	Revolving	$0.00	$2,500.00	PAID	Open	9/1/2016	NL: Open 3/1/2013
Account 21	Prestige Financial	Installment Loan	$0.00	$20,118.00	PAID	Closed	9/1/2013	NL: Open 2/1/2011
Account 22	CarX/SyncB	Revolving	$0.00	$1,500.00	PAID	Closed	10/1/2006	NL: Open 8/1/2004
Account 23	Trojan Professional Svcs.	Collection	$0.00	$111.00	PAID	Closed	9/1/2016	PIF'ed 9/15/16
Account 24	Wells Fargo Auto Finance	Installment Loan	$0.00	$19,171.00	Unknown	Closed	9/1/2014	NL: Open 8/1/2013
Account 25	Wells Fargo Home Mortgage	Real Estate Loan	$0.00	$150,228.00	PAID	Closed	8/1/2016	NL: Open 11/1/2012
Account 26	Wells Fargo Card SVC	Revolving	$0.00	$1,800.00	PAID	Open	9/1/2016	NL: Open 1/1/2013
Account 27	Wells Fargo Auto	Installment Loan	$0.00	$19,171.00	PAID	Closed	9/1/2016	NL: Open 8/1/2013
Account 28	Wells Fargo Natiional Bank	Revolving	$0.00	$3,800.00	PAID	Closed	9/1/2016	NL: Open 5/1/2014 Closed by WF

[MugenCivicSi83]

A lot of date discrepances. Accounts showing open that should be closed. 2 Accounts with WF Auto that are the same that shouldn't be.	Credit Bureau	Account Type	Balance	CL	Payment Status	Status	Status Updated	Notes
	Equifax
Account 1	American Honda Finance	Installment Loan	$19,238.00	$33,615.00	PAID	Open	9/18/2016	NL: Open: 7/12/2014
Account 2		Collection	$47.00	$48.00	LATE	Closed	9/5/2016	PIF'ed 9/15/16
Account 3	Chase Freedom	Credit Card	$0.00	$2,000.00	PAID	Open	9/15/2016	NL: Open: 6/20/2013
Account 4	Comenity/Buckle	Revolving	$0.00	$680.00	PAID	Open	9/16/2016	NL: Open 10/1/2011
Account 5	Fed Loan	Installment Loan	$0.00	$0.00	PAID	Closed	10/1/2014	NL: Open 9/1/2014
Account 6	Fed Loan	Installment Loan	$0.00	$0.00	PAID	Closed	10/1/2014	NL: Open 9/1/2014
Account 7	Fed Loan	Installment Loan	$7,408.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 9/1/2013
Account 8	Fed Loan	Installment Loan	$5,548.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2010
Account 9	Fed Loan	Installment Loan	$5,588.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2012
Account 10	Fed Loan	Installment Loan	$8,421.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2012
Account 11	Fed Loan	Installment Loan	$5,495.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2011
Account 12	Fed Loan	Installment Loan	$8,926.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2011
Account 13	Fed Loan	Installment Loan	$9,430.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2010
Account 14	Fed Loan	Installment Loan	$6,652.00	$6,500.00	PAID	Open	9/1/2016	NL: Open 12/1/2014
Account 15	Fed Loan	Installment Loan	$985.00	$1,000.00	PAID	Open	9/1/2016	NL: Open 12/1/2014
Account 16	Fed Loan	Installment Loan	$5,623.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 9/1/2013
Account 17	Great American Finance	Installment Loan	$0.00	$1,772.00	PAID	Open	3/21/2014	NL: Open 3/22/2013
Account 18	Jared Galleria of Jewelry	Revolving	$4,187.00	$4,187.00	PAID	Open	9/20/2016	NL: Open 4/7/2014:
Account 19	Macy's National Bank	Revolving	$10.00	$1,000.00	PAID	Open	9/5/2016	NL: Open 8/26/2014:
Account 20	Nordstrom/TD	Revolving	$0.00	$2,500.00	PAID	Open	9/23/2016	NL: Open 3/21/2013
Account 21	Prestige Financial	Installment Loan	$0.00	$20,118.00	PAID	Open	10/10/2013	NL: Open 2/7/2011
Account 22	CarX/SyncB	Revolving	$0.00	$1,300.00	PAID	Closed	7/27/2015	NL: Open 8/11/2004
Account 23		Collection	$0.00	$111.00	PAID	Open	9/25/2016	PIF'ed 9/15/16
Account 24	Wells Fargo Auto Finance	Installment Loan	$0.00	$19,171.00	PAID	Open	8/1/2016	NL: Open 8/21/2013
Account 25	Wells Fargo Home Mortgage	Real Estate Loan	$0.00	$150,228.00	PAID	Open	9/8/2016	NL: Open 11/16/2012
Account 26	Wells Fargo Card SVC	Revolving	$302.00	$1,800.00	PAID	Open	9/13/2016	NL: Open 1/8/2013
Account 27	Wells Fargo Auto	Installment Loan	$0.00	$19,171.00	PAID	Open	9/30/2014	NL: Open 8/21/2013
Account 28	Wells Fargo Natiional Bank	Revolving	$0.00	$3,800.00	PAID	Closed	9/19/2016	NL: Open 5/22/2014 Closed by WF

[MugenCivicSi83]

	Credit Bureau	Account Type	Balance	CL	Payment Status	Status	Status Updated	Notes
	Transunion
Account 1	American Honda Finance	Installment Loan	$19,238.00	$33,615.00	PAID	Open	9/18/2016	NL: Open: 7/12/2014
Account 2	Chase Freedom	Credit Card	$0.00	$2,000.00	PAID	Open	9/15/2016	NL: Open: 6/20/2013
Account 3	Comenity/Buckle	Revolving	$0.00	$680.00	PAID	Open	9/16/2016	NL: Open 8/7/2014
Account 4	Fed Loan	Installment Loan	$0.00	$0.00	PAID	Closed	10/1/2014	NL: Open 9/1/2014
Account 5	Fed Loan	Installment Loan	$0.00	$0.00	PAID	Closed	10/1/2014	NL: Open 9/1/2014
Account 6	Fed Loan	Installment Loan	$7,408.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 9/1/2013
Account 7	Fed Loan	Installment Loan	$5,548.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2010
Account 8	Fed Loan	Installment Loan	$5,588.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2012
Account 9	Fed Loan	Installment Loan	$8,421.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2012
Account 10	Fed Loan	Installment Loan	$5,495.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2011
Account 11	Fed Loan	Installment Loan	$8,926.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2011
Account 12	Fed Loan	Installment Loan	$9,430.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2010
Account 13	Fed Loan	Installment Loan	$6,652.00	$6,500.00	PAID	Open	9/1/2016	NL: Open 12/1/2014
Account 14	Fed Loan	Installment Loan	$985.00	$1,000.00	PAID	Open	9/1/2016	NL: Open 12/1/2014
Account 15	Fed Loan	Installment Loan	$5,623.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 9/1/2013
Account 16	Great American Finance	Installment Loan	$0.00	$1,772.00	PAID	Closed	3/24/2014	NL: Open 3/22/2013
Account 17	Jared Galleria of Jewelry	Retail Card	$4,187.00	$4,187.00	PAID	Open	9/20/2016	NL: Open 4/7/2014:
Account 18	Macy's National Bank	Revolving	$10.00	$1,000.00	PAID	Open	9/5/2016	NL: Open 8/26/2014:
Account 19	Nordstrom/TD	Revolving	$0.00	$2,500.00	PAID	Open	9/23/2016	NL: Open 3/21/2013
Account 20	Prestige Financial	Installment Loan	$0.00	$20,118.00	PAID	Closed	8/31/2013	NL: Open 2/7/2011
Account 21	Glen Ellyn Family Dental Care	Collection	$111.00	$111.00	Unknown	Open	9/11/2016	PIF'ed 9/15/16: Open 7/30/14
Account 22	Wells Fargo Home Mortgage	Real Estate Loan	$0.00	$150,228.00	PAID	Closed	8/26/2016	NL: Open 11/16/2012
Account 23	Wells Fargo Card SVC	Credit Card	$302.00	$1,800.00	PAID	Open	9/13/2016	NL: Open 1/8/2013
Account 24	Wells Fargo Auto	Installment Loan	$0.00	$19,171.00	PAID	Closed	8/31/2016	NL: Open 8/21/2013
Account 25	Wells Fargo National Bank	Revolving	$0.00	$3,800.00	PAID	Closed	9/19/2016	NL: Open 5/22/2014 Closed by WF
Account 26	Sprint	Collection	$366.00	$366.00	Unknown	Open	9/18/2016	?????
Account 27	People's Energy	Unknown	$0.00	$103.00	PAID	Closed	2/13/2010	NL: Open 5/28/2009

[bourgogne]

wow that is quite a list lol.  you know what is not right, you just have to dispute everything with each of the 3B.  go to annualcreditreport dot com if you have not already done so and get your reports.  they will have more detail than the cct report and dispute away!  oh, imo don't apply for any more credit until you have everything nice and pretty

[grillandwinemaster]

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@elim wrote:

My GF has a 599 EQ and has a 7k QS.  Not hard to get the QS with some good (and bad) history.

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Nice! I might have to go for the QS. I want a visa to use At Costco.

[MugenCivicSi83]

bourgogne,

I don't have a ton of time on my hands to clean all of this up. i have money to pay someone to do so. I've used sky blue credit repair before and they did an amazing job. what would you suggest I do? I am moving to switzerland for work in 2 months and want to clean this all up before I leave.

[bourgogne]

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@MugenCivicSi83 wrote:

bourgogne,

I don't have a ton of time on my hands to clean all of this up. i have money to pay someone to do so. I've used sky blue credit repair before and they did an amazing job. what would you suggest I do? I am moving to switzerland for work in 2 months and want to clean this all up before I leave.

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switzerland huh, well that is exciting.  to me this is not thay big a deal and would not take much time + only you know the back-stories of much of this.  you need to contact the places you paid and see if they will do a delete and if something is mis-reporting then do take care of that too.  nobody is going to do these tasks as well as you will.  you made the mess, clear it up is sort of my motto.  it will make you feel good and you can move on