Constant Fight
Date: Fri, 07/22/2011 - 12:24
Secondly, my victoria's secret, express and chadwicks accounts are reporting lates with all three agencies when I was not late. In fact i was on their hardship payment plan of which they setup automatic debits from my bank account.
any advice would be greatly appreciated
KD status means that account is considered to be Key derogatory
KD status means that account is considered to be Key derogatory in your credit report. As the CA was unable to validate the debt, you should contact TransUnion and Experian and ask them to remove the account from your credit report.
As far as express and chadwicks accounts are considered, you should contact them and negotiate with them so that they update your credit report and remove the negative item from your credit report as you are paying the debt as per your payment plan. Once they do so, you account status will be updated.
Hey, You don't need to worry too much as the situation is quite
Hey,
You don't need to worry too much as the situation is quite in your favor. You should immediately contact Experian and TransUnion and inform them that the collection agency hadn't been able to validate your debt and hence to update your account status accordingly. If required show the the exchange of documents between you and the collection agency.
Your case with Express and Chadwicks is almost the same. You have to contact them and inform them that you have been on a hardship payment plan with them, hence to report the correct state of your account to the credit bureaus.
Thank you :)
Being put on a hardship plan doesn't necessarily mean they won't
Being put on a hardship plan doesn't necessarily mean they won't report that the account is behind. If it's behind, even if you're on a plan and making payments, they can report that you're behind until you are caught up.