cancel
Showing results for 
Search instead for 
Did you mean: 

HELP!!!! SECURE CHECK, LLC RUINING MY CREDIT -- DOWN 40+ POINTS

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Regular Contributor

HELP!!!! SECURE CHECK, LLC RUINING MY CREDIT -- DOWN 40+ POINTS

I HAVE WORKED SO HARD AND NOW THIS......
I had a RETURNED CHECK from a checking account that I closed out last year and another RETURNED CHECK from an account they say in 2001.  The 2001 as you can see below is reporting as OPENED 02/01/2008. 
I paid Secure Check months back after I saw the one (#834) hit TU and wasn't aware of it for the first one.  After payment it was reported to EX and EQ. 
The JULY 11TH 2001 one I did not even know about.  Since then, it has hit EQ and EX today.  It cost me over 40 points on EX alone.  How can I get rid of these?  Here is how they are reading:
TRANSUNION 
Account Name:       SEC CHECK  
Account Number:       834XXXX  
Acct Type:       Collection Account   
Acct Status:       Closed  
Monthly Payment:         
Date Open:       2/14/2008  
Balance:       $0.00  
Terms:         
High Balance:         
Limit:         
Past Due:         
Payment Status:       Payment after charge off / collection  
Comments:       Paid collection
EXPERIAN / EQUIFAX
SECURITY CHECK LLC   SECURITY CHECK     
Account Number: 834XXXX   834XXXX     
Acct Type: Returned Check   Collection Account     
Acct Status: Closed   Closed     
Monthly Payment:         
Date Open: 2/1/2008   2/1/2008     
Balance:    $0.00     
Terms: 1 Month        
High Balance:         
Limit:         
Past Due:         
Payment Status: Paid, was a collection account, insurance claim or government claim or was terminated for default   Paid     
Comments:    RETURNED CHECK
Paid
EXPERIAN
SECURITY CHECK LLC        
Account Number: 173XXXX        
Acct Type: Returned Check        
Acct Status: Closed        
Monthly Payment:         
Date Open: 2/1/2008        
Balance: $46.00        
Terms: 1 Month        
High Balance:         
Limit:         
Past Due: $46.00        
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department  
 
Message 1 of 5
4 REPLIES 4
Valued Contributor

Re: HELP!!!! SECURE CHECK, LLC RUINING MY CREDIT -- DOWN 40+ POINTS

Not sure on returned checks, but can you DV Secure Check?? This is almost past or past CRTP if it is from 2001.
 
 
Message 2 of 5
Senior Contributor

Re: HELP!!!! SECURE CHECK, LLC RUINING MY CREDIT -- DOWN 40+ POINTS

If this is inaccurate information, which it doesn't sound like it is, you could always dispute with the CRAs as "Not Mine".

If it is accurate, you can try writing a GW letter to them. There are a lot of examples letters posted everywhere. If you do a search I'm sure you could find something to use as a template.
Here we go again...
Message 3 of 5
Valued Contributor

Re: HELP!!!! SECURE CHECK, LLC RUINING MY CREDIT -- DOWN 40+ POINTS

Sorry, I had to go back and re-read. If it was from July 11, 2001, then it should be removed from EX  by August this year. If not, dispute as obsolete.
 
They can report the opened 2/08 date as the date they actually received this account. It doesn't mean they re-aged it like I misunderstood at first.
 
The one you paid, I would suggest sending a GW letter.
Message 4 of 5
Valued Contributor

Re: HELP!!!! SECURE CHECK, LLC RUINING MY CREDIT -- DOWN 40+ POINTS

Follow the advice given and add credit report lock on your credit reports!  I know atleast Equifax offers it! Or you can go to lifelock.com to stop people from running your credit without your permission!
Rebuilding and Reducing Debt, is my game plan.
Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.