Hello everyone and Merry Christmas!
I am new to the forum and need extensive help in removing charge offs from my credit reports. I have the following CO's listed on my CR's:
Equifax
Company: HSBC
Date Opened: 10/2006
Date of Last Activity: 8/2009
Credit Limit: $300
Current Status: Bad Debt/Collection
**Account has been paid off through a collections agency, but not listed on my credit report**
Company: HSBC
Date Opened: 9/2006
Date of Last Activity: 2/2009
Credit Limit: $300
Current Status: Bad Debt/Collections
**Account has been paid off through a collections agency, but is listed on my credit report and the company is Portfolio Recovery**
Company: Toyota Motor Credit
Date Opened: 5/2007
Date of Last Activity: 4/2010
Largest Past Balance: $15850
Account Holder: Joint
Current Balance: $17174
Current Status: Bad Debt/Collections
**Payment arrangements have been made through the collections agency (SRA Associates), but the CA is not listed on my credit report**
Experian
Company Name: HSBC
Date Opened: 9/2006
Credit LImit: $300
Payment Status: Charge Off
**Account has been paid off through a collections agency, but not listed on my credit report**
Company Name: Toyota Motor Credit
Balance: $17174
Date Opened: 5/2007
Account Status: Closed
Payment Status: Charge Off
**Payment arrangements have been made through the collections agency (SRA Associates), but the CA is not listed on my credit report**
TransUnion
Company Name: HSBC
Date Opened: 10/2006
Date of Last Activity: 8/2009
Date Closed: 6/2009
Credit Limit: $300
Largest Past Balance: $608
Current Balance: $0
Current Status: Payment After Charge Off/Collection
**Account has been paid off through a collections agency, but is listed on my credit report and the company is Portfolio Recovery**
Company Name: Toyota Motor Credit
Date Opened: 5/2007
Date of Last Activity: 11/2011
Date Closed: 10/2010
Largest Balance: $46238
Account Holder: Joint
Current Balance: $17174
Current Status: Charged Off As Bad Debt
**Payment arrangements have been made through the collections agency (SRA Associates), but the CA is not listed on my credit report**
Company Name: Chase Bank USA NA
Date Opened: 4/2004
Date of Last Activity: 12/2008
Date Closed: 12/2004
Credit Limit: $1500
Largest Balance: $3375
Current Balance: $0
Current Status: Payment After Charge Off/Collections
Can anyone give me advice to what I can do to have these accounts removed permanently off my credit reports? I also have disputed all my credit card accounts (HSBC and Chase) a few months ago and they have verified the information is correct and it still remains on my CR's.
Thank you in advance
