Still trying to rebuild

[thornback]

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@donkort wrote:

^ Should have thought of that.

Remember to print them out, or save them on your computer, because you only have them for one day.

Yes, they are much more comprehensive than anything obtained commercially. 

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Yeah because something doesn't seem right with the way the accounts are reading based on OP's posts. 

And thanks for adding the 'print or save' note!

[alipz]

I am pulling my reports directly from equifax, experian and transunion. 

Correction. Only experian says paid/closed. Listed under closed accounts. (The balances are as I listed in my original post)

Transunion has them listed under revolving accounts and shows they're charged off. (The balances are as I listed in my original post)

Equifax has them listed negative closed accounts. NOTE Also shows all the Midland and portfolio under negative closed accounts, not under the collections tab. (The balances are as I listed in my original post)

Sorry for the confusion. It's all overwhelming. 

[thornback]

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@alipz wrote:

I am pulling my reports directly from equifax, experian and transunion. 

Correction. Only experian says paid/closed. Listed under closed accounts. (The balances are as I listed in my original post)

Transunion has them listed under revolving accounts and shows they're charged off. (The balances are as I listed in my original post)

Equifax has them listed negative closed accounts. NOTE Also shows all the Midland and portfolio under negative closed accounts, not under the collections tab. (The balances are as I listed in my original post)

Sorry for the confusion. It's all overwhelming. 

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Please pull your reports from annualcreditreport.com and print them out as prevously suggested.

1)  It will be much easier for you to read through them. 

2)  The web-based versions can sometimes be misleading/confusing because of the way the user-friendly fluff software reads and displays the raw report data.  The ones from annualcreditreport are like the paper reports in a PDF version -- no fluff software interference.

[donkort]

You might as well print them.

I was able to download my reports----but print them out to assure yourself that you have the reports in front of you.

[thornback]

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@donkort wrote:

You might as well print them.

I was able to download my reports----but print them out to assure yourself that you have the reports in front of you.

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Yea -- viewing them on your computer screen is totally fine too.  I just find that when I'm trying to make sense of a mess, printing and having it in front of me as a hard copy makes it easier -- this way I can highlight, make notes, whatever -  to each is own though so do whichever works best for you, OP!

[donkort]

Moreover, you could keep the hard copy for your records, as a supplement for if your computer goes down, and you need to submit the reports somehow.  

I'm a firm believer in having "analog" supplements to "digital" things----because "digital" things have a way of going down at the worst possible times.

[thornback]

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@donkort wrote:

Moreover, you could keep the hard copy for your records, as a supplement for if your computer goes down, and you need to submit the reports somehow.  

I'm a firm believer in having "analog" supplements to "digital" things----because "digital" things have a way of going down at the worst possible times.

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+1  Old School for the win!   

[donkort]

When I got my mortgage, everything was on the computer.  But I had a hard copy of everything, too.

I'm always scared that some virus might erase my files----even if I backed them up.

[alipz]

Ok. This is a copy and paste of negative and collection accounts from annualcreditreport.com., Transunion report.

Sorry for the TMI and some of the formatting. 

BARCLAYS BANK DELAWARE

Loan Type: CREDIT CARD High Balance: $1,666

Credit Limit: $1,300

Past Due: >$1,666<

>Maximum Delinquency of 120 days in 03/2015 and in 06/2015<

Estimated month and year that this item will be removed: 10/2021

CAPITAL ONE BANK USA NA

Date Opened:	11/05/2010	Date Updated:	01/16/2020	Pay Status:	>Charged Off<
Responsibility:	Individual Account	Last Payment Made:	03/03/2015	Terms:	Paid Monthly
Account Type:	Revolving Account			Date Closed:	05/03/2015

Loan Type: CREDIT CARD

>Maximum Delinquency of 120 days in 02/2015 and in 03/2015<

High Balance: High balance of $2,774 from 09/2017 to 01/2020

Credit Limit: Credit limit of $2,300 from 09/2017 to 01/2020

 Estimated month and year that this item will be removed: 10/2021

CREDIT FIRST NATL ASSOC

Date Opened:	03/15/2013	Date Updated:	02/23/2020	Pay Status:	>Charged Off<
Responsibility:	Individual Account	Payment Received:	$50	Terms:	Paid Monthly
Account Type:	Revolving Account	Last Payment Made:	10/19/2015	Date Closed:	04/24/2016

Loan Type: CHARGE ACCOUNT

>Maximum Delinquency of 120 days in 03/2016 for $367<

High Balance: High balance of $1,489 from 09/2018 to 02/2020

Credit Limit: Credit limit of $1,200 from 09/2018 to 02/2020

 Estimated month and year that this item will be removed: 11/2022

CREDIT ONE BANK

Date Opened: 12/20/2010

Responsibility: Individual Account

Account Type: Revolving Account

Loan Type: CREDIT CARD

Balance: $0

Date Updated: 06/12/2015

Payment Received: $0

Last Payment Made: 03/03/2015

High Balance: $1,770

Credit Limit: $1,300

Pay Status: >Charged Off<

Terms: Paid Monthly

Date Closed: 01/25/2015

>Maximum Delinquency of 120 days in 02/2015 for

$350 and in 04/2015<

Remarks: PURCHASED BY ANOTHER LENDER; UNPAID BALANCE CHARGED OFF

Estimated month and year that this item will be removed: 09/2021 

  FIRST PREMIER BANK

Date Opened: 07/07/2013

Responsibility: Individual Account

Account Type: Revolving Account

Loan Type: CREDIT CARD

Balance: $1,017

Date Updated: 06/04/2016

Payment Received: $0

Last Payment Made: 10/17/2015

High Balance: $1,017

Credit Limit: $700

Past Due: >$1,017<

Pay Status: >Charged Off<

Terms: Paid Monthly

Date Closed: 01/24/2016

>Maximum Delinquency of 120 days in 03/2016 for

$286<

Remarks: UNPAID BALANCE CHARGED OFF

Estimated month and year that this item will be removed: 10/2022

FIRST PREMIER BANK

Date Opened: 10/05/2014

Responsibility: Individual Account

Account Type: Revolving Account

Loan Type: CREDIT CARD

Balance: $717

Date Updated: 06/04/2016

Payment Received: $0

Last Payment Made: 10/16/2015

High Balance: $717

Credit Limit: $400

Past Due: >$717<

Pay Status: >Charged Off<

Terms: Paid Monthly

Date Closed: 01/24/2016

>Maximum Delinquency of 120 days in 04/2016 for

$202<

Remarks: UNPAID BALANCE CHARGED OFF

Estimated month and year that this item will be removed: 11/2022

KOHLS DEPARTMENT STORE

Date Opened: 09/08/2013

Responsibility: Individual Account

Account Type: Revolving Account

Loan Type: CHARGE ACCOUNT

Balance: $364

Date Updated: 05/31/2016

Payment Received: $0

Last Payment Made: 10/19/2015

High Balance: $364

Credit Limit: $300

Past Due: >$364<

Pay Status: >Charged Off<

Terms: Paid Monthly

Date Closed: 02/19/2016

>Maximum Delinquency of 120 days in 02/2016 and in 04/2016 for $214<

Remarks: UNPAID BALANCE CHARGED OFF

Estimated month and year that this item will be removed: 10/2022

 MIDLAND FUNDING LLC

Placed for collection:

09/30/2016

Balance: $631

Date Updated: 02/21/2020

Pay Status: >In Collection<

Responsibility: Individual Account

Account Type: Open Account

Loan Type: DEBT BUYER

Original Amount: $631

Original Creditor: CITIBANK N A

Past Due: >$631<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 12/2022

MIDLAND FUNDING LLC

Placed for collection:

05/27/2015

Balance: $1,771

Date Updated: 02/21/2020

Pay Status: >In Collection<

Responsibility: Individual Account

Account Type: Open Account

Loan Type: DEBT BUYER

Original Amount: $1,771

Original Creditor: CREDIT ONE BANK N A

Past Due: >$1,771<

Estimated month and year that this item will be removed: 09/2021

PORTFOLIO RECOVERY

Placed for collection:

11/22/2016

Balance: $920

Date Updated: 02/27/2020

Pay Status: >In Collection<

Responsibility: Individual Account

Account Type: Open Account

Loan Type: DEBT BUYER

Original Amount: $920

Original Creditor: HSBC BANK NEVADA N A

Past Due: >$920<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 02/2022

PORTFOLIO RECOVERY

Placed for collection:

09/23/2015

Balance: $563

Date Updated: 02/27/2020

Pay Status: >In Collection<

Responsibility: Individual Account

Account Type: Open Account

Loan Type: DEBT BUYER

Original Amount: $563

Original Creditor: SYNCHRONY BANK

Past Due: >$563<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 01/2022

PORTFOLIO RECOVERY

Placed for collection:

07/19/2016

Balance: $437

Date Updated: 02/27/2020

Responsibility: Individual Account

Account Type: Open Account

Loan Type: DEBT BUYER

Original Amount: $437

Original Creditor: SYNCHRONY BANK

Past Due: >$437<

Pay Status: >In Collection<

Estimated month and year that this item will be removed: 11/2022

TRANSWORLD SYSTEMS

Placed for collection:

10/22/2017

Account Type: Open Account

Loan Type: COLLECTION AGENCY/ATTORNEY

Balance: $257

Date Updated: 02/18/2020

Original Amount: $257

Original Creditor: RELIANT ENERGY RETAIL SERVICE

Past Due: >$257<

Pay Status: >In Collection<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item ill be removed: 10/2022

[thornback]

Fantastic.  I'm gonna get back to you in a bit when I get to my computer (on my mobile which is annoying).