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Collectiong Agency listed as Installment Acct

Date: Tue, 04/08/2008 - 18:43

Submitted by Ryan_N
on Tue, 04/08/2008 - 18:43

Posts: 315 Credits: [Donate]

Total Replies: 4


I was looking over my credit report today from truecredit and I have two collections accounts as installment accounts. Is this something I should dispute?

How long should accounts stay on my credit report also? I filed for Ch7 back on 9/1/2002 and had credit cards that was discharged with the Ch7. Should these credit card accounts still be listed on my credit report? Is it normal for them to report to the bureaus in 2008?


Are the Installement accounts the same? I mean..is the OC AND the CA reporting it?


lrhall41

Submitted by sdchargers_63 on Tue, 04/08/2008 - 19:15

( Posts: 1798 | Credits: )


Yes, the OC is still reporting it as Collection/Charged Off (last reported 3/2008) and the Collection Agency is reporting my account as an installment account. The collection agency is also reporting that I am Late 120 days but the collection agency is receiving monthly payments from my debt consolidation company.


lrhall41

Submitted by Ryan_N on Tue, 04/08/2008 - 20:19

( Posts: 315 | Credits: )


Here is a website to go to. someone on this forum recommended to me. It's very informative and gives alot of 'scenarios' in detail. Hopes it helps. Pm me and let me know. It gives you info, depending on the state you live in, consumers rights, etc. Make sure and look through ALL of it. The web is http://fair-debt-collection.com/state-wage-garnishments.html#46. Hope this helps.


lrhall41

Submitted by sdchargers_63 on Tue, 04/08/2008 - 20:30

( Posts: 1798 | Credits: )