What to do with collection accounts and charge offs?
Hello All,
Again I am new to the forum and I wanted to know which steps would one take to resolve my credit issue after after my personal information has been corrected. To help with a visual I have provided a snap shot the negative items on my reports:
CA: LVNV FUNDING LLC
OC: NEXTEL
DATE REPORTED: 02/09
DATE OPENED: 09/07 (WHICH IS WRONG)
DLA: N/A
ACCT TYPE: OPEN
BALANCE: $250.00
MONTHS REVIEWED: 15
30/60/90+: 0/0/0 (WHICH SHOULD SHOW SOMETHING I WOULD THINK)
STATUS: COLLECTION
CA: AFNI, INC.
OC: VERIZON INC.
DATE REPORTED: 10/08
DATE OPENED: 07/08
DLA: N/A
ACCT TYPE: COLLECTION
BALANCE: $126.00
MONTHS REVIEWED: 1
30/60/90+: 0/0/0
STATUS: COLLECTION
CA: CAVALRY PORTFOLIO SE (HAVE NO IDEAN OF THIS ACCOUNT)
OC: MBNA
DATE REPORTED: 02/09
DATE OPENED: 10/08
DLA: 08/06
ACCT TYPE: COLLECTION
BALANCE: $6708.00
MONTHS REVIEWED: 3
30/60/90+: 0/0/0
STATUS: COLLECTION
OC: BANK OF AMERICA (I AM NOT SURE IF THE ACCT WAS PURCHASED BY CAVALRY & THAT’S WHY I HAVE NO CLUE ABOUT ABOVE ACCT)
SHOWS: TRANSFERRED TO ANOTHER LENDER; PUR BY ANOTHER LENDER
DATE REPORTED: 10/08
DATE OPENED: 09/04
DLA: N/A
ACCT TYPE: REV
BALANCE: $6586.00
MONTHS REVIEWED: 20
30/60/90+: 0/0/0
STATUS: CHARGE OFF
CA: EASTERN ACCOUNT SYST
OC: COMCAST CABLE
ACCT#: XXXX497
DATE REPORTED: 10/06
DATE OPENED: 05/06
DLA: N/A
ACCT TYPE: COLLECTION
BALANCE: $0
MONTHS REVIEWED: 4
30/60/90+: 0/0/0
STATUS: PAID COLLECTIONS
CA: EASTERN ACCOUNT SYST
OC: COMCAST CABLE
ACCT#: XXXX485
DATE REPORTED: 10/06
DATE OPENED: 05/06
DLA: N/A
ACCT TYPE: COLLECTION
BALANCE: $0
MONTHS REVIEWED: 4
30/60/90+: 0/0/0
STATUS: PAID COLLECTIONS
OC: GEMB/SAMS
DATE REPORTED: 11/08
DATE OPENED: 07/03
DLA: 02/04
ACCT TYPE: REV
BALANCE: $0
MONTHS REV: 1
30/60/90+: 1/0/0
STATUS: SETTLED FOR LESS THAN FULL BALANCE
OC: XXX COUNTY DOMESTIC RELATIONS (THE WRONG COUNTY IS LISTED)
DATE REPORTED: 03/09
DATE OPENED: 04/02
DLA: 09/08
ACCT TYPE: INST
BALANCE: $0
MONTHS REV: 64
30/60/90+: 0/0/56
LATE DATES: 7/08-120 ,6/08-120 ,5/08-120, 4/08-120 ,3/08-120, 2/08-120, 1/08-120, 12/07-120, 11/07-120, 10/07-120, 9/07-120, 8/07-120, 7/07-120, 6/07-120, 5/07-120, 4/07-120, 3/07-120,
STATUS: PAID COLLECTIONS
PUBLIC RECORDS:
XXX COUNTY MUNICI
DOCKET # XXXXXXX
FILE DATE: 01/03
AMOUNT: $1,055
STATUS DATE: 01/03
PLAINTIFF: STRAWBRIDGES (WENT OUT OF BUSINESS YEARS AGO)
ACTIONS TYPE: JUDGMENT
STATUS: NOT SATISFIED
XXXXX COURTS ONLINE
DOCKET# XXXXXXX
FILE DATE: 10/06
AMOUNT: $450
STATUS DATE: --/--
PLAINTIFF: APPARTMENT COMPLEX LAND LORD (MOVED IN 2003 W/NO BALANCE…I DON’T THINS CURRENT TENANT PROVIDED CORRECT INFO)
ACTION TYPE: JUDGMENT
STATUS: JUDGMENT
Any assistance would be greatly appreciated
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