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fused this is from equifax directly
Account Number: XXXX
Current Status:
Account Owner: Individual Account.
High Credit: $0
Type of Account :
Open Credit Limit: $0
Term Duration:
Terms Frequency:
Date Opened: 08/2005
Balance: $3,086
Date Reported: 04/2009
Amount Past Due: $0
Date of Last Payment:
Actual Payment Amount: $0
Scheduled Payment Amount: $0
Date of Last Activity: N/A
Date Major Delinquency First Reported:
Months Reviewed: N/A
Creditor Classification:
Activity Description: N/A
Charge Off Amount: $0
Deferred Payment Start Date:
Balloon Payment Amount: $0
Balloon Payment Date:
Date Closed:
Type of Loan:
Date of First Delinquency: 08/2005
Comments: Consumer disputes - reinvestigation in progress,
Medical
First of all, the info on all three FICO reports can vary (or omit) from the info on reports taken directly from the CRAs. This is why we have to pull directly from the CRAs when in credit restoration mode. Back to the collection. Your situation is the most mysterious one I have ever seen. I'm concerned about fighting how its being reported though. Its certainly possible that fighting it could result in a ton of new collections on your report. Is there anyway you can come up with the money to pay? If not, there's not much you can do.
Thanks again fused! I want to fight this honestly. I know that it could back-fire but it would be so much easier to pay one at a time if that is the outcome. Does that even make sense? I know you probably think that I am crazy but this is insane in my eyes of how they reported. It is in dispute status since I lost it yesterday and immediately called eq. Did I screw this up by disputing? If I try to fight it, do I have a leg to stand on with the way that they reported? I mean if I stalled at some point, I think that I could get most of it paid and maybe they would not then persue reporting. What do you suggest?
Yes, your assumption is correct. The reason why I am asking is because...well 1. you scared me by your last message and 2. we have had insurance since last year, so from 2008-2009 we can handle easily. Other than that, the most expensive part of the medical is all past SOL. It is 4 years in Texas, right? So, we could easily pay the 2008 to current if that is the case. I just do not want to be sued for the 2002-2004 issues. Thanks again for all of your help, fused. I really do appreciate you replying so quickly and honestly.