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Originally Posted by coldweatherMN  so to answer your question about my question.... here are the details on my Experian report. First, the status is that I paid the debt in Dec 2008 (not the whole thing but it was settled as paid). None of that activity is reflected on the report - which is good. it's this old garbage that might not even matter that I'm wondering if I shoudl do something about.
1) a collection agency shows on my CR but hasn't reported on it since Aug2006. I think its a different agency than what I settled with although the names are similar. It's listed as Unistates CA LLC and I settled with Unifund.
2) the comment is "creditor cannot locate individual/collection account. Collection account as of Aug 06, June 06 and Sept 05." Nothing has been reported since Aug2006 (2.5 years).
3) this one shows a recent balance - although it says recent balance as of Aug 2006.
4) the original debt with Chase is listed as a seperate line item correctly as far as when it was opened and says last reported activity Jan 2004. comments say transferred/closed /charge off/ write off. Charge of May 2003 and there are lots of late pays with earlier dates. It says recent balance "N/A".
Should I even bother with these? Are they impacting my score? Do I just ask for validation from the Experian or verification from each of the 2 creditors? |
on the chase account when was the first missed payment what year?