nextel/sprint

[thotgal320]

Went to check my new score and I found that there was a nextel and sprint account on it. I did have a nextel account but never had sprint. This was of course before the two decided to merge as one. Should they both be up there as two different account and if not what can I do to fix this because the sprint is affecting my scores. Thank you to all in this forum it has helped me so much.

[SmartCookie]

There should only be one if you only had 1 account with Nextel.  This is probably just a result of the merge.

What are each saying regarding dates and amounts? 

[thotgal320]

Different dates but they both have the same amounts.

[SmartCookie]

What dates? Specifically DOFD.

[thotgal320]

Different dates but they both have the same amounts. Actually, nextel on all 3 with a high balance of 568 and balance the same but sprint is only on TU balance the same but high balance is 339. Do I do a GW letter on these or something else.

[thotgal320]

May of this year.

[SmartCookie]

High balance is not what the default amount is unless it repeats that as amount due.

If you could cut and paste what is in theTLs on all 4 entries that would help.  Are you saying that the DOFD is May 07 and you want to GW because you have paid in full? 

[thotgal320]

Okay cookie new to all this I have not paid it yet but I am willing to. Heres a stupid question what is a TL and you tell me I will send it. Thank you for being so quick.

[SmartCookie]

Start here:  http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654

GW is for paid accounts, so you are focusing on a PFD letter (pay for delete) since you want to pay this off and have them remove it.

DOFD is first delinquency... they can report for 7 years from that, that is reporting SOL.  Your individual state collecting SOL will vary.  That is the timeframe they can sue you within.

TL is tradeline... the individual entry for the OC or CA and all the info regarding it.

If you can cut and paste the 3 TLs (remove identifying info like the acct numbers) from Nextel and the 1 TL from Sprint/Nextel we can take a peek and tell you what to dispute and what to write the PFD on.  Odd that the amounts differ if you did not have 2 accounts in your name which is why this is helpful for us to see. 

[Anonymous]

I also had a collection with sprint on my credit. I paid it out in full. Does it make sense to send them a pay for deletion letter to them. 

Also another collection company is reporting it not sprint. Sprint told me they had no control over deleting this item