I had some problems in 2002 and defaulted on everything,and I do mean everything. Since it should all be getting ready to drop off I ordered all 3 reports by mail and found several discrepancies and really could use some advice on where to start.
Question #1 This is a credit card was last paid in late 2001 early 2002 yet removal date says 05/2014 and was not an installment account as stated
Listed only on Trans Union Report
ADP/HIGHLANDS CREDIT CO
loan type: unsecured
remarks: placed for collection
estimated date for removal: 5/2014
balance :1,227
date updated: 11/2007
high balance:1,227
collateral: pfrom adp wells fargo
past due: 1,227
terms: 1 monthly $1227
pay status: collection account
account type: installment account
responsibility: individual account
date open: 07/2007
date closed: 10/2007
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#2 This is a utility bill last paid 1/2002 yet the date for removal is shown as 03/2011
This account appears only on TransUnion
JL Watson & Associates
loan type: collection agency/attorney
remarks
laced for collection
date placed for collection: 07/2006
estimated date for removal 03/2011
balance: 330
date updated07/2007
original amount: 330
original creditor Duke Energy
past due: 330
pay status: collection account
account type: open account
responsibility: individual account
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#3 These are 2 real-estate loans last paid December 2001 they are listed twice on TransUnion with two different dates for removal the account numbers differ by their prefixes by this I mean one account start 1009999999 yet in the other listing the 100 is not there and it just says 999999999 these are not the account #listed on my report IM just using them as examples. On my Experin report they are listed only once yet the dates for removal vary significantly one has a removal date of April 2009 and the other is Jan 2011. Both of these accounts were signed on the same day and last paid on the same day
TransUnion Listings
RBC CENTURS BANK #8888888
Loan Types: real estate-junior liens
remarks: profit and loss writeoff
estimated date for removal: 08/2010
balance: 44,359
date updated: 11/2008
high balance: 44,359
pay status: charge off as bad debt
account type: installment account
responsibility: individual account
date opened: 07/2000
date closed: 12/2003
RBC CENTURS BANK #9999999
Loan Types: real estate-junior liens
remarks: profit and loss writeoff
estimated date for removal: 06/2010
balance: 45,204
date updated: 11/2008
high balance: 46,439
pay status: charge off as bad debt
account type: installment account
responsibility: individual account
date opened: 07/2000
date closed: 12/2003
RBC CENTURS BANK #1008888888
Loan Types: real estate-junior liens
remarks: profit and loss writeoff
estimated date for removal: 12/2008
balance: 44,359
date updated: 05/2007
high balance: 54,000
past due: 44,359
terms: 144 monthly $4363
pay status: charge off as bad debt
account type: installment account
responsibility: individual account
date opened: 07/2000
date closed: 12/2003
RBC CENTURS BANK #1009999999
Loan Types: real estate-junior liens
remarks: profit and loss writeoff
estimated date for removal: 12/2008
balance: 45,202
date updated: 04/2007
high balance: 53,100
past due: 45.202
terms: 144 monthly $4286
pay status: charge off as bad debt
account type: installment account
responsibility: individual account
date opened: 07/2000
date closed: 12/2003
Experian Listings
RBC BANK 888888.......
date opened: July 2000
reported since: Oct 2000
date of status: Apr 2004
last reported: May 2007
type: installment
terms: 12 years
monthly payment: NA
responsibility: individual
credit limit or original amount: 54,000
high balance: NA
recent balance 44,359 as of May 2007
status: account charged off/ Current was a charge off. $44359 written off .$44,359 past due as of May 2007
Account history: charge off as of May 2007,apr 2004. Oct2002 to Dec 2002. 90 days as of Sep 2002. 60 days as of Aug 2002 30 days as ofJul 2002,Feb 2002
This account is scheduled to continue on record until Jan 2011
RBC BANK 99999..........
date opened: July 2000
reported since: Oct 2000
date of status: Oct 2002
last reported: Apr 2007
type: installment
terms: 12 years
monthly payment: NA
responsibility: individual
credit limit or original amount: 53,100
high balance: NA
recent balance 45,202 as of Apr 2007
status: account charged off/ past due 90 days. $46,439 written off .$45,202past due as of Apr 2007
Account history: charge off as of Apr 2007,Mar 2004. Oct2002 to Feb 2004 90 days as of Sept 2002. 60 days as of Aug 2002 30 days as ofJul 2002,Feb 2002
This account is scheduled to continue on record until Apr 2009