will I wake a sleeping giant???

[Anonymous]

I have a collection account that I have paid in full.  It is listed on TU as paid in full.  It is listed on EQ that I still owe the money, BUT...it isn't listed as a collection account, just a regular unpaid account.  So which is worse?  If I ask them to update, maybe they will report it as paid, but list it as a collections.  If I don't, then it will continue to report as delinquent.  It is about 2 years old.  Any thoughts? 

[Anonymous]

What type of account is this???...is it a charge off???...and is it paid or unpaid???...what is you SOL???...and what was the DOFD???...

MORE INFO

[Anonymous]

Here is a cut and paste:

Credit Account Afni-Bloom

Status as of [?] Feb, 2008

Date opened [?] Not Reported

Date of last activity [?] Aug, 2005

Date closed [?] Not Reported

Account number [?] Not Reported

Loan type [?] Not Reported

Largest past balance [?] $318

Terms [?] Not Reported

Account Type [?] Open Account

Account holder [?] Individual

Scheduled payment amount [?] $0

Account status [?] Account is Inactive

But this is actually a collection account- a different report lists it as a paid collection.  I paid if off about 5 months ago.  The original creditor was my cable company.  But under "current status" it says, "120+ days overdue"

[Anonymous]

When does this account fall off???....Did you think of sending them a GW letter...for removal???...

[Anonymous]

I have not GWed them yet.  It wont fall off for another 4 years.

[Anonymous]

Since it's paid...I would DEFINITELY...send them a GW...