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Posted: Tue Nov 06, 2007 3:40 pm Subject: Confused by credit report

Ok here is the confusing story. After all the running around getting pdl's to go away, I decided to pull my credit reports today. WOW was I in for a shock.
Nothing from the pdl's, but there was 4 settled judgements on my report, but the judgements were not for me!!! My former sister and law and I have the same name with exception of middle name, that and the fact I am about 15yrs her senior lol.
It tried to go to equifax to dispute it, but they sent me to CSCC who handles my account I guess. I set up to dispute it with them, but all i could do was click on dispute...couldnt enter anything, or see anything further. So I called back home to talk to the courthouse and find out how this was possible, gave them case numbers etc. Mind you these went to court and were settled years after I moved out of state! The courts sent me in circles and finally gave me the phone numbers of the 2 attorneys who handled the cases saying they might be able to take care of it!!
So now I am even more baffled than ever, am scared she is using my social or something like that, and worried about my credit report. It might not be good but it is or was mine.
Thanks for anyadvice here Smile

Posted: Tue Nov 06, 2007 3:42 pm Subject:

Were u able to dispute this with the creidt bureaus?? I'd send them a letter along with ur personal info and let them know u KNOW who these belong to and they are indeed NOT urs!
Wow, this sucks for u!
Good luck and let us know how it turns out!
Ang

Posted: Tue Nov 06, 2007 3:47 pm Subject:

thanks ang...yeah...kinda bites...pdls leave me alone and something else slaps me lol
I am looking at another one of these on here, and have no idea who or what it is...can you send a DV to someone on your CR?
And yes I am going to send a letter to the attorneys with address verification for the last 7years as well as to the court, and to equifax.

Posted: Tue Nov 06, 2007 3:49 pm Subject:

Yes u can indeed send a dv letter to a CA listed on ur credit report!! If u look at the do it urself part of this forum u will find one taht was made especially for this sort of thing! THe one ur looking at now, is it a CA or an OC?? Cuz u can't send dv to an OC!
Plz let us know how this goes for ya i2b!
Ang

Posted: Tue Nov 06, 2007 4:39 pm Subject:

Ang...I am not sure what an OC is....I know what a CA is, but not an OC?
It shows up on my CReport as
Pallino recievables LLC
10413 Beardslee BLVD
Bothnell, WA 98011-3205

And it says it was for a joint account back in 2001 was 1st delinquency.. WOW I dont even remember where i was in 2001.. Anyway that is the one I was looking at sending a DV to.
Any advice on them
Thanks

Posted: Tue Nov 06, 2007 4:42 pm Subject:

The absolute first thing that needs to be done is to write a letter to the fraud dept of each credit bureau where you have seen this and tell them that this is a case of merged files and needs to be separated.Send this letter with copy of driver's license,soc sec card,and a utility to prove address.Send it certified mail.

Posted: Tue Nov 06, 2007 5:23 pm Subject:

cajun...so am I understanding you right...I am sending a DV letter to the fraud department of the equifax? And if that is right..do I list the accounts I am disputing as being merged on my report?
Sorry..i just want to get it right
Thanks again Ang and Cajun

Posted: Tue Nov 06, 2007 8:29 pm Subject:

Ok i2b i think we're on 2 diff tracks here! lol Cajun is talking about the judgements that are NOT urs! SO take his advice and send that to the credit bureaus to have this removed ASAP!
Now, i was talking about the dv letter! OC is original creditor but this is not the OC, it is indeed a CA! SO send the CA a dv letter but also check ur SOL in ur state first... if it is past SOL put that in ur dv letter to the CA!
Sorry for the delayed response, had to go to WalMart and it was a zoo in there! Shocked

Plz if u have any more questions plz feel free to ask!
Hope this helps u a little bit,
Ang

Posted: Tue Nov 06, 2007 8:45 pm Subject:

Ang...ok cool...i was a bit confused there. So the DV goes to Pallino, and the other letter goes to credit reporting agency Smile

Posted: Tue Nov 06, 2007 8:48 pm Subject:

Right i2b! Sorry for the confusion! I think what Cajun's saying is the first and most important thing is to get these judgements off ur credit report!!!
Then the dv letter would go to Pallino and dont' forget to check SOL for ur state.
Again sorry about the confusion,
Ang

Posted: Wed Nov 07, 2007 1:37 pm Subject:

No worries on that ...I live in the land of confusion, state of I dont KNOW. I have to back up and find the SOL for Nebraska...I havent lived there for 5years now so not sure about all that.
thanks again both of you
Smile

Posted: Wed Nov 07, 2007 3:16 pm Subject:

I hear ya about living in the land of confusion! Very Happy

Here ya go on SOL:
http://www.debtconsolidationcare.com/collection-agencies/kindsof-agree ments.html
Hope this helps,
Ang

Posted: Wed Nov 07, 2007 6:51 pm Subject:

To explain I want you to get those credit files separated because until you do,it will be extremely confusing as to who owns what account. Shocked

Posted: Thu Nov 08, 2007 9:13 pm Subject:

Thanks cajun Smile

I sent out letters today, and called the attorneys who handled the cases. They were actually very helpful. We discussed the issue and I explained the age difference and middle name. They said yes it was associated with my ssn and her name and age. They also said as soon as they got my letter they would send in a notice to all agencies as to the merged information, and try to help me correct the problem.
whew big relief on that one Smile

now to get DV sent off to other one then i can relax just a bit more Smile

Thanks again cajun...as soon as i hear something i will post Smile