Need Advice

[chaggitto]

Hi, I am going through a bad time dealing with my credit score and credit history. I always pay my bills on time so I never bothered checking my credit score since I didn't think it'd have any issues ( i know that's stupid of me)

 

Here is my problem thou. I have 2 accounts on my credit history that are showing late more then 90 days and its affecting my score drastically.

 

1. My gas company created a "secondary" account under my name and I never got any bills. I added services apartment 302, but somehow the company made a 3-302 apartment and i never received any mail for this location at the same time I was being billed for 302 ( the right apartment ) 3-302 was "disconnected" and sent to collections.

 

2. I had taken a loan with a credit union back in 2005, I got unemployment insurance and when I left work I called the union and let them know I no longer had a job and they said the'd take care of it...something that never happened. they dont keep records of calls or notes on the account for longer then 12 months so they say they couldn't see that I did call but they do see I had insurance.

 

Now my question is. How can I explain this to my credit bureau and what kind of information should I request from these companies.

 

thank you so much in advance and sorry if this is not the right area to post.

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[CB Owners]

Welcome to CreditBoards! We hope that you find what you're looking for here.

 

Some helpful tips:

 

• Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free
  to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board.
  
• If you haven't yet, take a peek at out Newbies Section.
  Everything that you need to know is in that forum, for the most part! It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros!
  
• If you find that someone is discourteous to you, use the REPORT button at the bottom of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS.
  
• Off -topic posts should go in the General Forum.
  

 

Again, welcome to the CreditBoards family!

 

CB Admin: LKH, Pam, radi8, breeze

CB Mods: CargoJon, Chris in OK, cotterpin, CramItCCCAs, Fallon, MarvBear, CtSoxFan, pryan67, psp, Stryker, TrevorHere

Forum Leads: brazen, Brian B The Loan Professor, cedski, DallasLoanGuy, hoapres, ICANHASMUNY?, Lighthouse84, Linx04, TeeSharice

[Analysis]

Current gas company? Best way, if you have an active account with them still, is to deal directly with a manager there at the gas company.

 

The other account seems like it is protected by your state's Statute of Limitations since it has been so many years since a payment was made to the account. You might look into this letter by one of the veterans on this site, Why Chat:

 

«Credit Reporting Agency»

 

RE: My report of (date) (credit report #)

Dear Sir/Madam

 

This is a request for deletion of a disputed item.

 

This item has been reported by :

 

(Name of Agency, Account #___) to your credit bureau, and is currently entered on my credit report.

 

I am requesting that the entry be deleted in it's entirety as it is an invalid claim,and any reporting of an invalid claim is prohibited.

 

(see Sullivan v. Equifax, Inc. et al., 2002 U.S. Dist LEXIS 7884 (E.D. PA. 2002)

 

(reporting a debt to a credit reporting agency is a communication covered by the FDCPA in §1692e(8))"1692e(8)

 

Communicating or threatening to communicate to any person information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed."

 

Enclosed please find a copy of the notice sent to (name of collection agency),together with a copy of the return receipt proving delivery, enjoining them from any further collection activity on an account that is beyond the legal limit for collection in my State of ______.

 

Please consider this as notification to you that the account as reported is invalid, and that the (name of agency) has been properly notified of that fact.

 

Please notify me, in writing, of any continued collection activity on their part, including any verification, resubmission or reinsertion after your reinvestigation and deletion of this item.

 

Sincerely,

 

«Signature»

 

«Your Name