I have searched high and low for information on how an OC should be reporting to the cra's but can't seem to find any answers for my situation. I tried to have my bofa secured card unsecured by calling and the rep told me they could not unsecure it due to several accounts reporting derogatory information. I asked her which ones and she told me about some charge offs I have on my report and I told her but they were charged off in 2007 and she said it looks like they are reporting as current? They are also reporting the terms as 1 month. Also an old auto loan is reporting as 180 days past due when there's been no activity since 2003. Can someone pleeeaase help me and let me know if I should dispute or what? What wording should I use? Below is how they look on my cr.
AARON SALES & LEASE OWNE
Status: Account charged off. $99 written off. $242 past due as of Sep 2009.
Status Details: This account is scheduled to continue on record until May 2014.
Date Opened:
06/2006
Reported Since:
10/2007
Date of Status:
10/2007
Last Reported:
09/2009
Type:
Installment
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$99
High Balance:
NA
Recent Balance:
$242 as of 09/2009
Recent Payment:
$0
Account History:
Charge Off as of Apr 2009 to Sep 2009, Oct 2008 to Jan 2009, Mar 2008 to Aug 2008, Jan 2008, Nov 2007, Oct 2007
AARON SALES & LEASE OWNE
Status: Account charged off. $106 written off. $211 past due as of Sep 2009.
Status Details: This account is scheduled to continue on record until May 2014.
Date Opened:
08/2006
Reported Since:
10/2007
Date of Status:
10/2007
Last Reported:
09/2009
Type:
Installment
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$106
High Balance:
NA
Recent Balance:
$211 as of 09/2009
Recent Payment:
$0
Account History:
Charge Off as of Apr 2009 to Sep 2009, Oct 2008 to Jan 2009, Mar 2008 to Aug 2008, Jan 2008, Nov 2007, Oct 2007
AARON SALES & LEASE OWNE
Status: Account charged off. $107 written off. $191 past due as of Sep 2009.
Status Details: This account is scheduled to continue on record until May 2014.
Date Opened:
10/2006
Reported Since:
10/2007
Date of Status:
10/2007
Last Reported:
09/2009
Type:
Installment
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$107
High Balance:
NA
Recent Balance:
$191 as of 09/2009
Recent Payment:
$0
Account History:
Charge Off as of Apr 2009 to Sep 2009, Oct 2008 to Jan 2009, Mar 2008 to Aug 2008, Jan 2008, Nov 2007, Oct 2007
AARON SALES & LEASE OWNE
Status: Account charged off. $242 written off. $364 past due as of Sep 2009.
Status Details: This account is scheduled to continue on record until May 2014.
Date Opened:
10/2006
Reported Since:
10/2007
Date of Status:
10/2007
Last Reported:
09/2009
Type:
Installment
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$242
High Balance:
NA
Recent Balance:
$364 as of 09/2009
Recent Payment:
$0
Account History:
Charge Off as of Apr 2009 to Sep 2009, Oct 2008 to Jan 2009, Mar 2008 to Aug 2008, Jan 2008, Nov 2007, Oct 2007
CREDIT ONE
Status: Creditor cannot locate individual. $9,314 past due as of Aug 2009.
Status Details: As of Jul 2010, this account is scheduled to go to a positive status.
Date Opened:
06/2002
Reported Since:
07/2002
Date of Status:
09/2003
Last Reported:
08/2009
Type:
Installment
Terms:
42 Months
Monthly Payment:
$379
Responsibility:
Signer with Deadbeat Dad
Credit Limit/Original Amount:
$13,907
High Balance:
NA
Recent Balance:
$9,314 as of 08/2009
Recent Payment:
$0
Account History:
Repossession as of Jan 2003
180 days past due as of Jan 2008 to Aug 2009
Creditor cannot locate individual from Sept 03, 2003 to Aug 31, 2009
No, the deadbeat dads name is actually on the report.