I need help desperately

Date: Wed, 05/17/2006 - 17:11

Submitted by anonymous
on Wed, 05/17/2006 - 17:11

Posts: 202330 Credits: [Donate]

Total Replies: 2

I have lived outside the US for five years and in another year I plan to move back. So of course, I would like to clean up my credit beforehand. I recently pulled a credit report from the three agencies, which to my surprise all have different information. My credit summary from these credit agencies list different debt amounts: Experian lists my total debt as $4886, Equifax lists my debt as $4959 and TransUnion lists my debt as $15,107. The problem I have is that most of my debt is old and I therefore do not any account numbers. I tried to contact one debt collection agency, I C Systems, that has my balance listed as $50 from 2002 which I do not know what it is for. In addition, I have Asset Acceptance listed on the Equifax report in open account status with a Diner's club account number. Then I have the same debt listed on the Experian reports in closed account status with a different account number which has been charged off since June 2004. Then it is listed with Transunion under Diner's Club in open account status with the same beginning four account numbers that was on the Experian report. My next issue is that I have ATT Wireless listed on the TransUnion report in open account status with an account number beginning with PAL which I assume to be a Palasades account number. This same account number is listed on the Experian report under Palisades Collection which was charged off in November 04. I don't know what to do. Please help!!!

Hi simms, Unfortunately, you have all those accounts that mo

Hi simms,

Unfortunately, you have all those accounts that most of the consumers here are having problems. Most of your accounts might have gone past the SOL period. Check the laws in your state before you consider the SOL. You won't be under any legal obligation to pay the account.

As Asset Acceptance is also there in your file, so chances of incorrect reporting in your file might also be there. The first thing that you need to do is to review your file thoroughly and find out the items that you think is incorrect. Highlight those items and dispute with the bureaus. They will run an investigation with the company and get the correct details.

It will be also better to contact each of your lenders and request the statements in writing. Review the details properly so that you can work out arrangements with them.

Since you have not been in the States for a period of five years, check the debts that are within the SOL period. I guess most of them have run out. In case, you make a payment activity, they will come back within the legal collection period and you will be forced to pay those accounts if you default. Do not make a payment agreement until you have everything straightened out. Register with us in this site and everyone will guide you in the right direction.

lrhall41

Submitted by Gretchin on Wed, 05/17/2006 - 17:31

( Posts: 482 | Credits: )

Trans Union

Trans Union usualy has the most accurate upto date information. If you pulled the one from the Trans Union web site it should (at least mine did.. some debt go back 6 years) list the ogiginal creditors. As well as phone numbers if not an address to each agency. It should also list a date when each file will fall off your credit report.

You can dispute Tran Union and Experian items online but I believe you have to mail in for Experian.

I suggest contacting each of the original creditors and finding out which agency has what. You don't need an account number, just your social and date of birth.

lrhall41

Submitted by on Thu, 05/18/2006 - 17:33

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