Hello,
I am seeking some guidance in removing baddies on my CR. I just applied for a Chase Freedom, BofA Americard and both got declined. Reasons were for 4 CO/collections on my CR.. no recon until these are removed. Currently I have 3 CC's (CapOne, CapOne - formerly Orchard Bank, BestBuy RewardsZone MC) and am an AU on 3 other accounts (Discover, AMEX BCP and AMEX Green).. Hence I have some recent good activity.
I am a CA resident and all these CO's have passed SOL (5 years) but on the cusp of CRTP (7 years) as DOFD was late 2006 and early 2007. None of the debts have been paid.. and I only occassionally get calls from CA's and a letter every few months.
My question is should I send DV to the CA's to vefiry debt and dispute these accounts with the CRA's? Speaking with the Chase backdoor rep, he informed me that currently only 4 baddies are hindering me from gaining credit from them (first ones listed below). However my CR shows other collections as well.
I'm hoping to get some enlightenment regarding on how to get the process of removal started. Any help would be appreciated!
BANK OF AMERICA
Address:
PO BOX 982238
EL PASO, TX 79998
(800) 421-2110
Account Number: edited....
Address Identification Number: 0227167815
Status: Account charged off. $1,438 w ritten off. $258 past due as of Mar 2012.
Status Details: This account is scheduled to continue on record until May 2013.
Date Opened: 12/2004
Reported Since: 01/2005
Date of Status: 08/2007
Last Reported: 03/2012
Type: Credit card
Terms: NA
Monthly Payment: $0
Responsibility: Individual
Credit Limit/Original Amount: $1,000
High Balance: $1,550
Recent Balance: $1,525 as of 03/2012
Recent Payment: $0
CAPITAL ONE
Address:
PO BOX 30281
SALT LAKE CITY, UT 84130
(800) 955-7070
Account Number: edited....
Address Identification Number:0189081847
Status: Account charged off. $459 w ritten off. $775 past due as of Aug 2012.
Status Details: This account is scheduled to continue on record until Dec 2013.
Date Opened:11/2005
Reported Since:11/2005
Date of Status: 10/2007
Last Reported: 08/2012
Type: Credit card
Terms: NA
Monthly Payment: $0
Responsibility: Individual
Credit Limit/Original Amount: NA
High Balance: $775
Recent Balance: $775 as of 08/2012
Recent Payment: $0
CHASE BANK USA
Address:
PO BOX 15298
WILMINGTON, DE 19850
(800) 955-9900
Account Number: edited....
Address Identification Number: 0189081847
Status: Transferred,closed.
Date Opened: 06/2005
Reported Since: 07/2005
Date of Status: 06/2009
Last Reported: 06/2009
Type: Credit card
Terms: NA
Monthly Payment: $0
Responsibility: Individual
Credit Limit/Original Amount: $200
High Balance: $680
Recent Balance: NA
Recent Payment: NA
Creditor's Statement: Purchased by another lender.
HSBC BANK
Address:
PO BOX 5253
CAROL STREAM, IL 60197
(800) 477-6000
Account Number: edited....
Address Identification Number: 0189081847
Status: Transferred,closed. $507 w ritten off.
Date Opened: 01/2006
Reported Since: 01/2006
Date of Status: 12/2008
Last Reported: 12/2008
Type: Credit card
Terms: NA
Monthly Payment: $0
Responsibility: Individual
Credit Limit/Original Amount: NA
High Balance: $507
Recent Balance: NA
Recent Payment: NA
Creditor's Statement: Purchased by another lender.
LAMONT HANLEY & ASSOCIATES
Address:
1138 ELM ST
MANCHESTER, NH 03101
No phone number available
Account Number: 3704124
Original Creditor: COAST NATIONAL INSURANCE COM
Address Identification Number: 0189100520
Status: Collection account. $166 past due as of Jul 2010. Status Details: This account is scheduled to continue on record until Oct 2016.
Date Opened: 04/2010
Reported Since: 07/2010
Date of Status: 07/2010
Last Reported: 07/2010
Type: Collection
Terms: 1 Months
Monthly Payment: $0
Responsibility: Individual
Credit Limit/Original Amount: $166
High Balance: NA
Recent Balance: $166 as of 07/2010
Recent Payment: $0
NCO FINANCIAL SERVICES
Address:
PO BOX 17202
WILMINGTON, DE 19850
No phone number available
Account Number: 2752....
Original Creditor: NCO/ASGNE OF AT T
Address Identification Number: 0189268967
Status: Collection account. $1,212 past due as of May 2012. Status Details: This account is scheduled to continue on record until Aug 2014.
Date Opened: 11/2008
Reported Since: 12/2008
Date of Status: 12/2008
Last Reported: 05/2012
Type: Debt Buyer
Terms: 1 Months
Monthly Payment: $0
Responsibility: Individual
Credit Limit/Original Amount: $1,027
High Balance: NA
Recent Balance: $1,212 as of 05/2012
Recent Payment: $0
PORTFOLIO RECOVERY ASSOCIATES
Address:
120 CORPORATE BLVD STE 100
NORFOLK, VA 23502
(800) 772-1413
Account Number: edited....
Original Creditor: HSBC CARD SERVICES III INC.
Address Identification Number: 0189268967
Status: Collection account. $508 past due as of Jul 2012. Status Details: This account is scheduled to continue on record until Sep 2014.
Date Opened: 12/2008
Reported Since: 02/2009
Date of Status: 02/2009
Last Reported: 07/2012
Type: Debt Buyer
Terms: 1 Months
Monthly Payment: $0
Responsibility: Individual
Credit Limit/Original Amount: $508
High Balance: NA
Recent Balance: $508 as of 07/2012
Recent Payment: $108
My wallet is thin but I have other stuff in my pants
But the AT&T was from an ex-girlfriend I had included in my plan that racked up my bill when we broke up