Trish, I wanted to added something else to my previous post. After reading several other post, I read that you informed someone that "A CA cannot report an acct as open. As for the "past due" and "terms: 1 months" you can't be past due or have terms with out a payment arrangement/agreement." Would it be the same in my situation (See notes in purple)
CA: LVNV FUNDING LLC
OC: NEXTEL
DATE REPORTED: 02/09
DATE OPENED: 09/07 (WHICH IS WRONG)
The date open is the date the CA acquired the debt (not the date you opened the acct with nextel)
DLA: N/A
ACCT TYPE: OPEN - Violation
BALANCE: $250.00
PAST DUE: $270.00
MONTHS REVIEWED: 15
30/60/90+: 0/0/0 (WHICH SHOULD SHOW SOMETHING I WOULD THINK) Actually no. If you have never made a payment or payment arrangement, you can't be behind on payments.
STATUS: COLLECTION (should my first step be to send a cease comm letter to LVNV and soon after a request to Validate to the CRA.)
CA: AFNI, INC.
OC: VERIZON INC.
DATE REPORTED: 10/08
DATE OPENED: 07/08
DLA: N/A
ACCT TYPE: COLLECTION
BALANCE: $126.00
PAST DUE: $126.00 (ON REPORT)
MONTHS REVIEWED: 1
30/60/90+: 0/0/0
STATUS: COLLECTION
If you can pay this one, call and talk to verizon. If this debt was only assigned then they can recall the debt from AFNI and take your payment directly. Then AFNI has NO right to be reporting it since you dealt with the OC. Once you've paid, then dispute with the CRAs. (I will do such...Right now it show collection and OC: Verizon Inc)
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
PAST DUE: $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
If you are sure you never had an acct with BOA/MBNA, then you should go ahead and dispute both of those as "no knowledge or records". You could actually dispute them as not yours but that will result in a fraud alert on your reports.......but it's up to you. FA's can be good if you think that's what happened. Otherwise they are more of a hassle than anything else. (After reading your response, I think the Cavalry Port & BOA are duplicates. The BOA Account show Date opened 09/04 & opened on 10/08, DLA --/--. Then Cavalry shows OC as MBNA with a Date Opened of 10/08, DLA 08/06, Date reported 0f 02/09. If it is a dup, how would you approach this one?)
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
Are these duplicate entries? If so dispute them both as such. (I don't think so because they show seperate account #. I think one id for CATV and the other for the high speed int...but again I am not sure. Since it a paid coll, would you start with a "not mine"?)
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
If there are no inaccuracies here.....you could just try disputing as "no knowledge" (I do not see any, my report show as of DLA 02/04 & Late Dates 05/04-30. So I guess I will go with the "no knowledge")
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
Is this a CA? If so, there are a couple of violations here....(No this is the name of the Courthouse. I actually had a child support order in a whole different County Court. I am not sure why it is showing a diff county in PA. Also I noticed that the report shows 3/07-120 late so that mean it was even earlier than such. So should this be removed? I beleive it goes al lthe way to 1998. How would you go about this?)
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
Read here on how to dispute judgments.
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
Hmm.....you may want to contact the apt complex and talk to them. If it is truly a mistake, they can remove it. Were you ever served for this? If they are difficult, you may have to contact the courthouse and see if you were even served properly. (Understood)
Any assistance would be greatly appreciated
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