When does the 7 year time start? Where can I find the start date on my credit report? What will it be listed under?
All these accounts were opened I was living in Texas. I live in a different state now. Will this make a difference with SOL?
I just learned today that all of my accts have been sold to defferent CA's. The balances they claim I owe are double and triple the amount of the original debt. I want to pay off at least one every two-three months until they are all paid off. What should I do. Here are the accts in question.
Creditor Name: CREDIGY
Account No.:
Original Creditor: 01 MBNA
Responsibility: Individual
Condition: Derogatory
Original Balance: $2462
Balance: $4153
Date Opened: 12/27/2002
Date Reported: 01/17/2006
PINNACLE CREDIT SERIVC
Creditor Name: PINNACLE CREDIT SERIVC
Account No.:
Original Creditor: DISCOVER FINANCIAL
Responsibility: Individual
Condition: Derogatory
Original Balance: $1601
Balance: $2061
Date Opened: 12/12/2005
Date Reported: 01/25/2006
CREDREAPP
Remarks:
[Experian] Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department.
[Equifax] Consumer disputes this account information
Collection account
Experian Equifax
Past Due: $4252
High Balance: $2462
Terms: 1 months
Limit:
Payment: $0
Opened: 12/2002
Reported: 03/15/2006 05/2006
Responsibility: Individual
More about PROVIDIAN
Remarks:
[Experian] Credit line closed - grantor request - reported by subscriber.
Unpaid balance reported as a loss by credit grantor.
[Equifax] Charged off account
Account transferred or sold
Experian Equifax
Past Due:
High Balance: $2021
Terms:
Limit: $2021
Payment: $81
Opened: 05/2000 05/2000
Reported: 05/31/2002 07/2004
Responsibility: Individual Individual
More about DISCOVER FIN Close window
Remarks:
[TransUnion] Charged off as bad debt
Purchased by another lender
[Experian] Purchased by a another lender.
Unpaid balance reported as a loss by the credit grantor.
[Equifax] Account transferred or sold
TransUnion Experian Equifax
Past Due: $0
High Balance: $1601
Terms:
Limit: $1000 $1000
Payment: $0
Opened: 04/01/2000 04/2000 04/2000
Reported: 03/01/2001 03/08/2001 03/2001
Responsibility: Individual Individual Individual
ZALE/CBUSA
TransUnion Experian Equifax
Condition: Derogatory Derogatory Derogatory
Balance: $1708 $1708 $1708
Type: Charge account Charge account Charge account
Pay Status: Co/Chargeoff Co/Chargeoff Co/Chargeoff
Most Are dupiclates by the original creditor and the CO agency. Can they both list debt even if original creditor has sold your acct.?