I wanted to clarify something I read. I am looking at my TU report and it says my chargeoff will removed on or around 11/2012. The Midland collection account says it will fall off on or around 10/2013. Aren't they supposed to be the same date? I am disputing this account for several reasons (as you can see below), but on the off chance I can't get it deleted before then, I would really like to know when it should fall off.
Here is how they read on my TU report:
Hsehld Finance Bnfl Finc
Balance: $0
Date Updated: 9/30/2007
High Balance: $4866
Last payment: 8/14/2006
Pay Status: >Charged Off<
Account Type: Installment Account
Responsibility: Individual Account
Terms: 1
Date Opened: 12/30/2005
Date Closed: 9/30/2007
Loan Type: Unsecured
Remark: Purchased by another lender
Estimated month and year this item will be removed: 11/2012
Midland Funding LLC
Balance: $11,132
Date Updated: 6/18/2012
Original Amount: $6448
Original Creditor: Beneficial
Past Due: >11,132<
Pay Status: >In Collection<
Account Type: Open Account
Responsibility: Individual Account
Loan Type: Factoring Company Account
Date Placed for Collection: 4/28/2009
Remark: >Placed for Collection<
Estimated month and year this item will be removed: 10/2013
Charge off deletion date vs. collection agency deletion date.
Started by
UNI4790
, Jul 09 2012 04:14 PM
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