no verification from who i thought was OC

[Anonymous]

i looked at my CR and found many accounts with the same account number. i thought that i would call who i thought was the OC but they said that they got the account from another creditor. i have found the OC and they report on my CR that the account was paid as agreed  and it has a 0 balance with a 0 past due. i called the 1st company and they don't know who they got the account from. they told me to dispute it. does this qualify as "not verified"? and should i dispute with all 3 CB or just try to get the CRA's that have this account to delete it?. there are 3 CRA's with this same account but some of them show 0 balance and paid after collection. i would rather they all get off my CR but the account in good standing.

[Anonymous]

---

rae1 wrote:

i looked at my CR and found many accounts with the same account number. i thought that i would call who i thought was the OC but they said that they got the account from another creditor. i have found the OC and they report on my CR that the account was paid as agreed  and it has a 0 balance with a 0 past due. i called the 1st company and they don't know who they got the account from. they told me to dispute it. does this qualify as "not verified"? and should i dispute with all 3 CB or just try to get the CRA's that have this account to delete it?. there are 3 CRA's with this same account but some of them show 0 balance and paid after collection. i would rather they all get off my CR but the account in good standing.

---

Is the account actually paid? Is it past SOL? What is DOFD?

It might help if you list the accounts that are showing from each of EQ, EX, and TU.

I'm not sure from your post who/how many is reporting. You said "should I dispute with all 3 CB or just try to get the CRA's that have this account to delete it?

I assume you mean EQ, EX, and TU by CB(I think you mean credit bureaus) but normally that is abbreviated CRA's, which you use that abbreviation later, where I think you mean CA.

I'd hate to assume wrong and answer you wrong.

Here is a guide to common abbreviations.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=3866

You might find it easier to copy/past from your CR what is showing and then someone can advise you better.

But, if the account was paid to the OC, then you need to DV all the CA that is reporting it. I'd worry about getting those off before dealing with how/what the OC is reporting.

If it is NOT paid, and is past SOL, I'd do the same.

If it is NOT paid and is NOT past SOL, I'd be prepared to pay if you send a DV and wake them up.

A OC and a CA can report at the same time.

More than one CA can NOT report at the same time.

[Anonymous]

you are right about my abbreviations. sorry about this but i just started posting today and thank you so much for the link!  i paid the last known CA with the account. but what i am wondering is, since the OC was paid as agreed (closed4/2003)with 0 bal. and remarks on this account say "purchased by another lender" the other lender evidentally reporting the same opening date as the OC but different closed date(2/2004) and charge off with a balance. the next CA has this account and reporting no open date but a balance after i paid them. i called the last CA on 2/2005 and asked them to update but have not got a new report yet(they say that they report in the middle of the month). i am also waiting for results from transunion for disputes to other paid accounts that should be updated. i will get the results3/08/2008 for that so i figured that i would wait to see if the CA i called has updated. so all in all, the 2nd lender for this account didn't know who they bought it from so would this result in deletion if i disputed them? also would the last CA that had the account get deleted also because they bought it from the above and the above doesn't have much verification so this CA wouldn't have any better info and couldn't verify? i have no idea but i sure would like to get problems from the past fixed. thank you!