Got my credit report, how to start?
Date: Mon, 09/24/2007 - 18:43
So I got my credit report from all three agencies (ordered a 3 in one from TransUnion). Boy, is it UGLY!
Things I noticed:
1. Best Buy card/HSBC is listed twice. First time listed it has a wierd account number and is only under Equifax and says Closed (Transferred). The second time it's listed it has a different account number, and is listed under TransUnion and Experian and says Derogatory on it.
Why is it listed twice like this?
2. I have an account listed on here that is not mind, it's my girlfriend's. I am an autorized user.
Can I dispute this, get it off my credit report?
3. Most all my accounts are marked Collection/Chargeoff. Some are listed a second time under a collection agency, some are not. How do I know who to contact, the original creditor or the collection agency?
I know my first step is to send DV letters to all, but this report is very confussing! Help, please!
If u have an acct listed twice i would say to dispute it. Make s
If u have an acct listed twice i would say to dispute it. Make sure it's only on there once!
The acct that ur an authorized user on is in bad standing?
Now finally, if an acct is charged off then u will have to contact the CA to settle it.
Hope this helps some,
Ang
Look at the double listing closely, sometimes one is the origina
Look at the double listing closely, sometimes one is the original creditor and the second is the CA. I think this type of double listing is permissible because it is two separate places doing it.
I have heard you should dispute off your old addresses, phone numbers, etc...it makes it harder for CAs and the CRAs from validating (verifying) anything. Just dispute as not your address or that it is so old and the possibility of many people living there that you fear identity theft.
Also scrutinize the listings, I bet you that they are being listed wrong with the sole purpose of messing with your credit score. For example an entry listed by a CA should have an account type of collection, no terms, no past due (unless you previously agreed to these things). Mine had things like revolving account, installment account???????they might have been this with the original creditor, but once it gets charged off and bought by a CA it is no longer listed like that.
Hey golden when i disputed the charged off amt and the CA that t
Hey golden when i disputed the charged off amt and the CA that took it over, the original creditor was removed! It's worth a try worked for me.
Ang
Yes, sometimes the original creditor doesn't want to bother with
Yes, sometimes the original creditor doesn't want to bother with verifying a charged off account with the CRAs and will just ignore the request, therefor it gets removed.
Everything is worth the try..you never know what will work, not
Everything is worth the try..you never know what will work, not to mention just the fact that you are being a pest and bugging the $hit out of them helps alot...they might just say, "Fine fine, here..look, it's gone..please...please leave us alone!" :")