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Trans UnionWashmtl/Prov XXXXXXXXXX Mar-04 $0 120 days past due
Equifax Wamu/Prvdn Not Reported Mar-04 $0 120+ days past due
Experian Wash Mutual/Providian XXXXXXXXXX Mar-04 $0 Account transferred to another office
On the next account, this was an old Cingular account that was settled (not PIF) in January 2007. I don't know the difference between what I paid and what I owed, but I think it was under $250. Should I send a PFD or dispute? I have a letter from Afni saying this account was legally paid in full, as they correctly report to Ex. Since they are reporting WRONG info to Eq, I feel like I could dispute it, but if I send a GW, I have a better shot that they will stop reporting all together.
Trans Union N/A N/A N/A N/A N/A
Equifax Afni-Bloom Not Reported Not on Record $0 120+ days past due
Experian Afni, Inc. XXXXXX3185 Mar-06 $0 Account legally paid in full for less than the full balance
Strangely enough, I used to have another Afni account that after I paid it, they just removed it. No request from me, they just removed it. Solomon & Solomon did the same thing after I paid them an old insurance premium. Weird, but I'll take the free deletions where I can get them!
Any advice would be greatly appreciated!!!
ps.. I'm in New York.
Thanks so much, Happy Days! I checked my DOFD through my myfico reports and I thought I was safe when I looked at the TransUnion one since it said that my DOFD is back in 2002, but it seems like all three CRA's agree this card was opened in 2004. For the life of me, I can't remember when I actually opened this account, all I can remember is I bought a computer with it in 2004 so that doesn't help much! Of course, I have no records. Do you think I should DV this just to get all the original records? Thanks!
Washmtl/Prov
Trans Union:
Status as of Aug, 2005
Date opened Mar, 2004
Date of last activity Aug, 2005
Date paid out Aug, 2005
Date closed Aug, 2005
30 days late 4 times (Feb 2005, Sep 2004, Nov 2002, May 2002)
60 days late 2 times (Mar 2005, Nov 2002)
90+ days late 8 times (Jul 2005, Jun 2005, May 2005, Apr 2005, Mar 2003, Feb 2003, Jan 2003, Dec 2002)
Equifax:
Status as of Dec, 2007
Date opened Mar, 2004
Date of last activity Jan, 2005
Date closed Not Reported
30 days late 2 times
60 days late 1 time
90+ days late 4 times (Jul 2005, Jun 2005, May 2005)
Experian:
Status as of Aug, 2005
Date opened Mar, 2004
Date of last activity Jul, 2005
Date of last payment Aug, 2005
30 days late 2 times (Feb 2005, Sep 2004)
60 days late 1 time (Mar 2005)
90+ days late 4 times (Jul 2005, Jun 2005, May 2005, Apr 2005)