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03-24-2009, 05:18 PM
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 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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03-25-2009, 10:49 AM
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Hopefully that will get you going.  |
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03-25-2009, 12:05 PM
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Trish, Again thanks for your help & quick response. I have answered your questions in blue: Originally Posted by Philly215 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) 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 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 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 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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03-25-2009, 01:57 PM
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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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03-25-2009, 02:21 PM
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Whoa! Good catch on those (in purple). Yes those are violations. I did not even notice those. For LVNV......do a 1 2 punch. And just a warning....I have read a lot of bad things about this shady CA. So keep a VERY good papertrail. For Calvary and the BOA one.....just dispute both of those. They do appear to be the same acct....but if you never had an acct with BOA then you need to dispute both as no knowledge or not yours. On the two accounts for Comcast Cable.....did you pay the CA? I wouldn't dispute as "not mine" unless it is truly not yours. Now for the child support....I am not too familiar with that but since it is paid AND it is reporting incorrectly, you may be able to dispute it off. You should dispute it like a judgment since it is public record. And I think that's all...... Let me know if I missed anything. |
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03-25-2009, 03:26 PM
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I would do a 1 2 punch on that one......and dispute it with the CRAs as not yours or no knowledge of account. |
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07-07-2009, 10:11 PM
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Okay after a long process here is what happened: (1) I did a 1-2 Punch by Sending a DV lettter to AFNI (CA) and they send me a letter showing the balance of my last bill in 1/2005. The balance is $126.00 and a month ago they sent me a letter stating that they wanted to settle for $70.00. Now the OC is Verizon (Home Service) and from reading several threads the SOL for goods of service is 4 years. I am not trying to settle, I am looking towards sending them a PFD letter etc. (2) I did a 1-2 punch by sending a DV to Cavalry Portfolio Svc (CA) & LVNV Funding (CA) and they haven't sent me a reply to my request in over 35+ days. I sent a letter to the CA's stating that no knowledge of the account. Nevertheless, the CA's send me a update showing that the account has been "updated". Updated meaning "A change was made to the item; review this report to viw the change. If ownership of the item was disputed, then it was verified asa it belonging to you". What step should I take next? Any information will be greatly appreciated |
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07-09-2009, 09:37 PM
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I think this Verizon issue was in another topic, I think? Anyway, I guess I would just do a PFD letter to VERIZON. Don't do it with any collection agency. Obviously, it is hard to get anywhere with most CA's. All they want is money and they won't help in deleting - they'll leave it on your report as paid and that won't do any good at all. |
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