Hello all,
I read quite a bit on the forums before posting my situation. I hope someone can help me out.
I have one bad remark on my credit history and believe it has a very bad effect on my credit score. I have a late payment from Dec 2005 that went into collections. I paid it off in June 2006. At that time, the CA said they would remove the bad remarks from the report and I didn’t bother to check on that. One thing I do want to mention - the OC and CA didn't have the right mailing address for me and kept sending my mail to the wrong address. Not an excuse for the late payment - but still.
Now its 2008 and I just checked my credit report only to find that it has been reported as bankrupt/collections for 2 months on Experian and Equifax. That in addition to the 30 days to 150 days late remarks. Also the account appears as a Collections Item on the TransUnion report.
On Experian & Equifax:
Dec 2005-May 2006: Late
May 2006, June 2006: Collections
1 Do I send a PFD or GW?
2 And do I send the letter to the OC,CA or CB?
3 Any suggestions on what I can do to remove the derogatory remarks? The OC is a GEMB/JCP account and the CA is NCC Business Services.
Help is great appreciated. Thank you.
