Hello I'm a newbie. I have 3 CA reproting on the same debt.

[goodgirl-badcredit]

Good morning. I have just pulled all 3 credit reports from the annual credit report website. I also bought the credit scores from the CRA. I have found that 3 different CA are reporting the same debt is there anything I can do about that? And also My credit scores from those sites are EQ 536 EX 642 TU 642. If I was to purchase the myFICO scores would they be any different? Im sorry for all the questions I really dont know alot about this kind of stuff.

Thank you

goodgirl-badcredit 

[Schoolbuskid]

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goodgirl-badcredit wrote:

Good morning. I have just pulled all 3 credit reports from the annual credit report website. I also bought the credit scores from the CRA. I have found that 3 different CA are reporting the same debt is there anything I can do about that? And also My credit scores from those sites are EQ 536 EX 642 TU 642. If I was to purchase the myFICO scores would they be any different? Im sorry for all the questions I really dont know alot about this kind of stuff.

Thank you

goodgirl-badcredit 

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Hi and welcome, do the debts have the same account numbers or similar? Who do they have listed as original creditor? Do you know what the date of first deliquency and date of last activity is? Have you disputed them yet? The scores you received from those site are probably all FAKO's except your Equifax score! Good Luck!

[goodgirl-badcredit]

They all have different account numbers. Lasted reported dates are 5/05, 1/06 and 5/08.

[Schoolbuskid]

Transunion Dispute# 1-800-916-8800

Experian Dispute# 1-800-493-1058

Equifax Dispute# 1-888-534-0178

[Schoolbuskid]

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goodgirl-badcredit wrote:

They all have different account numbers. Lasted reported dates are 5/05, 1/06 and 5/08.

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Are they reporting different OC's? How do you know its the same account? Also last reported dates does not matter.

DOFD=Date of First Delinquency (means the date you went deliquent on the account)

DOLA=Date of Last Activity (means the date you last made payment or went deliquent)

[Schoolbuskid]

Who are the collection agencies reporting?

[goodgirl-badcredit]

It is on my EX account 3 times and listed on my EQ report 2 times. So I need to call those CRA and tell them that those debts are listed 2 & 3 times. I am not sure of what I need to do. Sorry for asking so many questions. But I really do appreciate your help.

[goodgirl-badcredit]

It is a directv bill. THe CA are Allied State, Nationwide Credit, & NCO FIN. NCO has date opened as 2/07 which is wrong. It was opened 12/05.

[BungalowMo]

Send DV's...cmrrr

If you haven't done it yet...read those threads  at the top.  Especially these two.  Before you send any letters, be sure you're doing it right.  Search for DV letters & you'll get threads with great examples.

Never...Ever sign a DV letter!

http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=1219

http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=584

NCO called me about an old acct & they had wrong dates & wrong acct #.  By simply telling them over the phone that they're wrong, I can prove it, they're a buch of theives & I'll sue, should they pursue this.....after initially calling me 10 days in a row...they never called back.  Definately DV them!

[Anonymous]

Never call a CA!!!   send each a DV  CMRRR   Never sign anything going to a CA  just type your name!!!

Read this and make all changes where needed    they have 30 days to answer and they get send  CMRRR

CERTIFIED MAIL #: _______________________________________________________
Your Name
Your Address
YourTown,, State ZipCode

Debt Collection Company Name
Their address
Town, State ZipCode

Date:

Re: Debt Collection Company Name; Acct # Debt Collection Company #; Original Creditor Name; OC Acct #

To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on DATE. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for “verification” or proof of my mailing address, but a request for FULL MEDIA VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that (a) the account is valid, (b) the amount allegedly owed is accurate, and (c) I have a contractual obligation to pay Debt Collection Company Name for this alleged debt.
All of the following MUST be provided to adequately validate the authenticity of the alleged debt AND provide proof of my contractual obligation to Debt Collection Company Name for this alleged debt:
• Signed credit application between myself and the original creditor
• Copies of all signed vouchers from the date account was opened until default
• Copies of all statements from the date account opened until default
• Proof of the statute of limitations
• Proof of agreement that you were hired by the Original creditor (creditor as defined by the FDCPA) or
• A copy of the contract Debt Collection Company Name purchased the alleged debt.
• If the alleged debt was purchased, provide a copy of an agreement between Debt Collection Company Name and myself, signed by me, stating that I have a contractual responsibility to Debt Collection Company Name for the alleged debt
• Provide proof that Debt Collection Company Name is bonded/Licensed for debt collecting in the State of Your State
Be advised that failing to provide ALL of the media requested to validate the alleged debt will invalidate any and all claims Debt Collection Company Name is asserting regarding this alleged debt. If Debt Collection Company Name can NOT provide all of the validation media requested above, ALL collection efforts MUST be stopped and the account MUST be DELETED from the Debt Collection Company Name. If you can NOT validate your claim, you can NOT, by law, collect on it, or SELL it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA (Fair Credit Reporting Act), and carries a $2500 fine to be paid to me. I have two years to decide if I want to pursue this matter. PLEASE GIVE THIS MATTER THE ATTENTION IT DESERVES.
If your offices are able to provide all of the validating media as requested, I will require at least 30 days to investigate this information, and during such time, all collection activity must cease and desist.
I am also stating, in writing, that no telephone contact be made by your offices. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by United States Postal Service.

Best Regards,

Your Name