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will I wake a sleeping giant???

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Regular Contributor

will I wake a sleeping giant???

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? 
Nov 09: TU 644 EQ 665
Dec 09: TU 644 EQ 673
New Year: TU 658 EQ 673
Message 1 of 6
5 REPLIES 5
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Valued Contributor

Re: will I wake a sleeping giant???

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
Message 2 of 6
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Regular Contributor

Re: will I wake a sleeping giant???

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"

Nov 09: TU 644 EQ 665
Dec 09: TU 644 EQ 673
New Year: TU 658 EQ 673
Message 3 of 6
Highlighted
Valued Contributor

Re: will I wake a sleeping giant???

When does this account fall off???....Did you think of sending them a GW letter...for removal???...
Message 4 of 6
Highlighted
Regular Contributor

Re: will I wake a sleeping giant???

I have not GWed them yet.  It wont fall off for another 4 years.
Nov 09: TU 644 EQ 665
Dec 09: TU 644 EQ 673
New Year: TU 658 EQ 673
Message 5 of 6
Highlighted
Valued Contributor

Re: will I wake a sleeping giant???

Since it's paid...I would DEFINITELY...send them a GW...
Message 6 of 6
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