Who's good at reading credit report listings?
Date: Thu, 06/03/2010 - 21:01
I'm trying to learn what to look out for on credit reports and would like to start a thread and put in different things to get feedback as to what is a normal listing versus listings that need to be questioned, etc. I have changed the company names and account numbers. On this first one, it is a medical listing, but actually is shown on there 2 times with only the difference being in the closed, paid and when it will be removed and the difference in the actual account number itself, being listed one digit apart. I just don't understand this listing at all. Can someone interpret this for me or let me know if you see anything that should be questioned? Thank you!
On my screen, you can't see the right side of the image because
On my screen, you can't see the right side of the image because of the members area and ads, so I'm putting the right side in here.
Angel, were you trying to upload an image? You may have to upl
Angel, were you trying to upload an image?
You may have to upload the image once more because I am not being able to see it.
Quote:Originally Posted by SCAngel, were you trying to upload an
Quote:
Originally Posted by SC Angel, were you trying to upload an image? You may have to upload the image once more because I am not being able to see it. |
It's the "text" of the credit report. It is in my two posts above. I put it in using the image code. Can you see it? Recovery Bureau and all the information?
i see it.well if one doesn't look right dispute that one.it does
i see it.well if one doesn't look right dispute that one.it does look like they put two entries and changed info slightly.i would dispute one of the entries.
Quote:Originally Posted by paulmergeli see it.well if one doesn'
Quote:
Originally Posted by paulmergel i see it.well if one doesn't look right dispute that one.it does look like they put two entries and changed info slightly.i would dispute one of the entries. |
Do things like this affect your credit? The story behind this is that I never paid this at all! There was some kind of discrepancy between the Dr. and the insurance company and they were supposed to work it out, but now I have found these 2 listings on my credit report. I actually don't think that the insurance company ever paid it either and they are long gone. I just don't understand the amount is showing as paid on 2 different dates by the 2 different listings. And the biggest thing is why is this even showing as an open account - then for a remark - paid collection. Should I just forget it and leave them both alone? And the strangest thing is, this is probably something that was about 8 years ago.
Quote:Originally Posted by AngeldoveDo things like this affect y
Quote:
Originally Posted by Angeldove Do things like this affect your credit? The story behind this is that I never paid this at all! There was some kind of discrepancy between the Dr. and the insurance company and they were supposed to work it out, but now I have found these 2 listings on my credit report. I actually don't think that the insurance company ever paid it either and they are long gone. I just don't understand the amount is showing as paid on 2 different dates by the 2 different listings. And the biggest thing is why is this even showing as an open account - then for a remark - paid collection. Should I just forget it and leave them both alone? And the strangest thing is, this is probably something that was about 8 years ago. |
is it in the section where they report delinquent accounts?if not i wouldn't worry,but if it is then dispute one of them.
Do you think I can argue the fact that I never paid a balance, y
Do you think I can argue the fact that I never paid a balance, yet it is showing a balance of $0 to get it off the credit report? Thank you Paul, for the input! :D
Quote:Originally Posted by AngeldoveDo you think I can argue the
Quote:
Originally Posted by Angeldove Do you think I can argue the fact that I never paid a balance, yet it is showing a balance of $0 to get it off the credit report? Thank you Paul, for the input! :D |
if you wish to dispute one of the entries.a simple."this looks unfamiliar to me,or it looks like this is a double entry only the dates were changed.will be good enough.only mention that if the CB'S state the debt was verified,or they ask for more details.