Fixing Credit Report Help!!!!

[Anonymous]

So, here is my credit report.....from TransUnion easier to read

Cach LLC,#134....

date placed in collection 2/06 $1301 balance, orginal balance $1,612, OC HouseHOLD Bank.  I DO NOT KNOW THIS ACCOUNT NUMBER

Cach LLc #136....

date placed 9/06 orginal balance and present balance 1,559, OC WAMU Providian Bank

 I DO NOT KNOW THIS ACCOUNT NUMBER

Cach LLC #140....OC HOUSEHOLD BANK

date placed 1/07  original balance $1,052---$0 balance, paid after Charge OFF collection.  I DO NOT KNOW THIS ACCOUNT NUMBER

Cap. ONE

high Balance $739, PAY-status Paid...I have (4) 30 day lates, (3) 60 days late, (2) 90 days late.

date opened 3/02, date Paid 4/04

phone Bill Balance $177

date in collection 2/08

Credit ONe Bank

lates (2) 30 days , (1) 60 day. That was NOvember and December 08, I still use this card

ComCast--Credit Protection Assoc

11/06 placed in collection $548.  This was for a DVR/Cable box I returned.  Marked as paid after collection.

FACS Group 366....

$0 balance..date closed 2/04, date paid 4/04.  REMARK....purchased by another lender, Pay status Payment after charge OFF/ collection

GEMB/SAM"S

pay status---charged off as bed debt.  HIGH Balance $506.  Date to be removed 1/14.

LVNV Funding(OC SAM'S)

high balance $775..Remark paid less than settled amount $550.  original total, marked as payment after charge off.

HSBC#5407..

high Balance $1,092, Balance $0.  Pay Status --Charged off as bed debt. Purchased by another lender.  Date removed 2/13.

HsBC #5440....

same as above...set to be removed 05/12

Doctor Bill $452.  The orginal bill was $250.00.  I thought insurance picked this up.  I am a patient for 20 years, has to be paid.

utility bill---(3) 30 day lates

PROV #403...purchased by another lender.  High Balance $3,975.  Charged off as bad debt.  Date to be removed 12/12.  I HAVE NO IDEA ABOUT THIS ACCOUNT.

newport News....(1)30 day late, (1)60 days late.  Acount paid

As you can see, I need help.....2 weeks ago I got Experidian Credit report and disputed basically everything on the negs.  What should I do now?  THank YOu in Advance.  Do we have in person groups?

[Anonymous]

Blanket disputes are never good and can lead to many negative outcomes.

Read the various links below for helpful information.

Need to know the DOFD for each, if beyond SOL, or you can PIF before giving more advice.

[Anonymous]

hi--Would the DOFD be the estimated removal date?  I paid in full the Hhh540.... and the HH 5440...  I don't understand where these other card numbers are cominf from.  Especially the first 3.  What is ablanket dipute.  Id PIF the same as PFD?

should I ask for a Gw for the cable company? and Utility and other accounts paid and still being used?

[Anonymous]

---

shannonrosie13 wrote:

hi--Would the DOFD be the estimated removal date?  I paid in full the Hhh540.... and the HH 5440...  I don't understand where these other card numbers are cominf from.  Especially the first 3.  What is ablanket dipute.  Id PIF the same as PFD?

should I ask for a Gw for the cable company? and Utility and other accounts paid and still being used?

---

DOFD or removal date will work.

Send GW letter to OC to remove late payments and to CA's to remove the entire collection.

PIF = Paid in full.

The account number for the CA will not be the same as the account number for the OC.

Message Edited by sidewinder on 04-04-2009 01:16 PM

[Anonymous]

ok----so to my doctor bill would I send a PIF and the phone company...sorry to be painful.  If the money amounts are different, then how do I know the OC and CA account number?

PFD is payiing for something you believe is not yours, and PIF is yours you just want it removed.

What do I do regarding the $3956 account I do not know where it came from?  Would that be a DV?  Ansd the other accounts I don't knoe where or what they are?

[Anonymous]

For medical, follow the HIPAA process. Check out the "Recovering from Medical Debt" board.

On the phone bill, who is reporting? If a CA and you can pay in full or it is beyond SOL, then send a DV. If they validate properly, then try to negotiate a PFD.

PFD is an agreement between you and the creditor that you will pay in full or pay X amount and they will remove the debt from your credit report, doesn't have anything to do with the debt being/not being yours. PIF is just pay in full, just means you pay in full-- no agreement for anything to happen.

Collections are scored the same way, whether paid or unpaid. So, you always want to negotiate a PFD on collections if you can.

The PROV sounds like a Providian account. It also looks to be reported by the original creditor and not a CA. DVs only go to a CA, not an OC.  Did you ever have one?

Is this a report directly from TU? If you haven't already-- I would pull your free annual reports, see link below.

Reports directly from the CRA provide much more information, even creditor contacts.

[Anonymous]

first of all---thank you.

i pulled all 3 reports.  On the Transunion it says WASHMTL/PROV #403118...High Balance $3,975

date opened 8/1998

date closed & Paid 8/08  Charged off bad debt

Date to be removed 12/12.......so the DOFD is 12/05

and on Equifax the same account is listed as CHASE BANK USA  #403118.  SAME Account.  Same staus Charge off....

How can I systematically figure out the accounts I don't know with different account numbers? Like the first three in my report from CCH?

The accounts I paid--do I ask for GW and send my proof of payment?

[Anonymous]

---

shannonrosie13 wrote:

So, here is my credit report.....from TransUnion easier to read

Cach LLC,#134....

date placed in collection 2/06 $1301 balance, orginal balance $1,612, OC HouseHOLD Bank.  I DO NOT KNOW THIS ACCOUNT NUMBER

Cach LLc #136....

date placed 9/06 orginal balance and present balance 1,559, OC WAMU Providian Bank

 I DO NOT KNOW THIS ACCOUNT NUMBER

Cach LLC #140....OC HOUSEHOLD BANK

date placed 1/07  original balance $1,052---$0 balance, paid after Charge OFF collection.  I DO NOT KNOW THIS ACCOUNT NUMBER

Cap. ONE

high Balance $739, PAY-status Paid...I have (4) 30 day lates, (3) 60 days late, (2) 90 days late.

date opened 3/02, date Paid 4/04

phone Bill Balance $177

date in collection 2/08

Credit ONe Bank

lates (2) 30 days , (1) 60 day. That was NOvember and December 08, I still use this card

ComCast--Credit Protection Assoc

11/06 placed in collection $548.  This was for a DVR/Cable box I returned.  Marked as paid after collection.

FACS Group 366....

$0 balance..date closed 2/04, date paid 4/04.  REMARK....purchased by another lender, Pay status Payment after charge OFF/ collection

GEMB/SAM"S

pay status---charged off as bed debt.  HIGH Balance $506.  Date to be removed 1/14.

LVNV Funding(OC SAM'S)

high balance $775..Remark paid less than settled amount $550.  original total, marked as payment after charge off.

HSBC#5407..

high Balance $1,092, Balance $0.  Pay Status --Charged off as bed debt. Purchased by another lender.  Date removed 2/13.

HsBC #5440....

same as above...set to be removed 05/12

Doctor Bill $452.  The orginal bill was $250.00.  I thought insurance picked this up.  I am a patient for 20 years, has to be paid.

utility bill---(3) 30 day lates

PROV #403...purchased by another lender.  High Balance $3,975.  Charged off as bad debt.  Date to be removed 12/12.  I HAVE NO IDEA ABOUT THIS ACCOUNT.

newport News....(1)30 day late, (1)60 days late.  Acount paid

As you can see, I need help.....2 weeks ago I got Experidian Credit report and disputed basically everything on the negs.  What should I do now?  THank YOu in Advance.  Do we have in person groups?

---

Those two in color seem to match to 2 of the CA accounts.

[Anonymous]

---

shannonrosie13 wrote:

first of all---thank you.

i pulled all 3 reports.  On the Transunion it says WASHMTL/PROV #403118...High Balance $3,975

date opened 8/1998

date closed & Paid 8/08  Charged off bad debt

Date to be removed 12/12.......so the DOFD is 12/05

and on Equifax the same account is listed as CHASE BANK USA  #403118.  SAME Account.  Same staus Charge off....

How can I systematically figure out the accounts I don't know with different account numbers? Like the first three in my report from CCH?

The accounts I paid--do I ask for GW and send my proof of payment?

---

You want to GW the removal of colllection accounts. You have to be careful trying to have OC accounts removed as they do have aspects to them that help your score-- even when they are negative accounts.

Did you ever have Chase/WaMu/Providian CC?

On accounts you believe are beyond SOL or you can PIF, send a DV to the CA. This should help you match up to an OC.

Did you have two Household bank cards?

[Anonymous]

green--dates are different, dollar amounts are diferent by $40.00.

red--differnet dollar amount by $3000

i had a providian a long time ago, I think.

Never a chase/wamu card.  I have pais every account ever owed except the $177 and the MD bill.  With the red and green colors I GW Ca and leave the OC alone.  right.  I also paid to one CA 2/07.  I was making monthly payments then the last week of the year they took the full $1400 out.  They harassed me at work.  I filed a report with my bank nd they are still reporting I never paid....what do I do.  I believe it was the HH card.  I still don't think I have that providian though.