Hi Trish,
As far as the reporting for the closed checking account and utility bill:
Transunion an Experian
Creditor Name:
RJM ACQ LLC
RJM ACQ LLC*
*
Account No.:
6R70000259****
6R70000259****
*
Original Creditor:
08 WASHINGTON MUTUAL CHECKING ACC
WASHINGTON MUTUAL CHECKING ACC
*
Responsibility:
Individual
Individual
*
Condition:
Derogatory
Derogatory
*
Original Balance:
$146
$146
*
Balance:
$146
$146
*
Date Opened:
09/20/2007
09/2007
*
Date Reported:
03/31/2009
04/01/2009
*
I am unsure what this means as far as date opened, I did not open an account with them in 2007. It was probably around 2004 that I closed that account
Equifax
Creditor Name:
*
Account No.:3959***
Original Creditor: PORTLAND GENERAL ELECTRIC
Responsibility:Individual
Condition
erogatory
Original Balance:$107
Balance:$109
Date Opened:10/2004
Date Reported:12/2004
The reporting from Wells Fargo Educational is:
:
Account No.: 53890583718****
Condition: Closed (Transferred)
Balance:
Type: Educational
Pay Status:
There are 5 listings for various amounts I am assuming. In the legends area of the report it shows a date of delinquency and reports CO (collection chargeoff) beginning the end of 2004.
