I have a negative on my CR for Jefferson Capital that I'm not sure how to handle. It is reporting differently on my reports and I dont know if I should do a PFD or leave it alone. Here are the details. ..
Equifax doesnt report it at all....
Experian: Paid,Closed. Status Details:This item was updated from our processing of your dispute in Apr
On TU:
JEFFERSON CAPITAL SYSTEM #267337702****
16 MCLELAND RD
SAINT CLOUD , MN 56303
(866) 417-2561
Balance:
$481
Date Updated:
06/2011
Original Balance:
$481
Original Creditor:
12 SPRINT SERVICES
Past Due:
>$481<
Pay Status:
>Collection Account<
Account Type:
Open Account
Responsibility:
Individual Account
Date Closed:
10/2008
Loan Type:
Factoring Company Account
Remark:
>Placed for collection<
Date placed for collection:
[ 10/2008]
Estimated date that this item will be removed:
04/2012
I know this will sound awful, but I dont doubt this is valid, and I dont recall paying it, but I dont want to open a can of worms.So what is my best bet? a DV possibly? I'm willing to do PFD but EX reports it Paid, closed.
Any advice from the experts? I really appreciate your help on this!
