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CiE

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  1. i have tried a few things with no success to get them to delete or to PFD. Can someone help me out in reviewing how they are reporting on my Equifax? I think there are some discrepency's in the way they are reporting and the actual dates. MIDLAND CREDIT MGMT INC 8875 Aero Dr Ste 200 San Diego, CA-921232255 (800) 825-8131 Account Number: xxxxxxxxxxxxx Status: COLLECTION ACCOUNT Account Owner: Individual Account. High Credit: $809 Type of Account : Open Credit Limit: Term Duration: Terms Frequency: Date Opened: 12/2010 Balance: $973 Date Reported: 03/2012 Amount Past Due: $973 Date of Last Payment: Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: 03/2011 Months Reviewed: 8 Creditor Classification: Activity Designator: N/A Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Factoring Company Account (debt buyer) Date of First Delinquency: 05/2010 Comments: Consumer disputes this account information, Collection account The date of first delinquency is before the account was opened on the credit does that matter? also according to them the date major delinquency first reported was 03/2011 but according to the OC that was back in 11/2010. the OC shows the account as a CHARGE-OFF so i don't understand why it's open and they are accruing interest apparently and marking my account as 30 days then good standing then 30days late again then good standing every other month which is tanking my score. Please help if any i have tried a DV and they send back garbage then i have sent to EQ and they verify i am not sure what else to do here...
  2. I don't have to satisfy anything i just want to have good credit
  3. Hi everyone i have tried several things to deal with my baddies, but to no avail. I owe the money to them so i guess i'm just going to pay. Should i try to settle or pay in full?
  4. I have a few LVNV accounts and a Midland Account that are showing up as Factoring Companies and they are updating the status monthly what is the deal? Is there anything i can do about this?
  5. I am still currently in college, but the Sallie Mae account was a private loan that i had taken out and they do not differ payments until i am done with school. They did not do it and they don't have a policy for it. Bump....
  6. I am still currently in college, but the Sallie Mae account was a private loan that i had taken out and they do not differ payments until i am done with school. They did not do it and they don't have a policy for it.
  7. I know thats the least of my problems, but can someone help me out in developing an action plaN?
  8. Sallie M for $20,394 on both TU and EX. on TU it shows as Status: Collection and on EX it shows Late Over 120 Days. First Premier on EQ shows status "As Agreed" on both First Premier Accounts i had. It also shows as Open with EQ. Closed Accts Follow: CAP ONE on TU and EX both of them show as Collection. this was paid in 2006. Credit One on TU and EX on TU it shows " Collection " and on EX it shows " Late over 120 days " Comments say it was sold to another lender. First Bank of Deleware/Continental Finance on TU and EX shows both " Collection " Comments says it was sold to another lender. First Premier on TU and EX. Status on TU is "Collection" status on EX is " As Agreed" Comments on EX is Charge off. Second First Premier shows on TU and EX. TU shows "Collection". EX shows "Late over 120 Days" Comments are charge off. HSBC bank on TU and EX shows TU " Collection" EX "Late over 120 days" Comments are charged off. Macy's on TU and EX. TU shows " Collection" EX shows " Collection " This was paid in 2008 MID America B & T on TU and EX TU "Collection" EX "Late over 120 Days" Comments are charge off. Plains commerce bank on EQ, EX, and TU. EQ shows " As Agreed" with comment "account transferred or sold amt in high credit is credit limit". TU shows " as agreed" comment " lost or stolen". EX shows "as agreed" Same comment as TU. Other Accts Follow: CRD PRT ASSO shows on TU with a balance of 201 which is incorrect i need to send letters. this was a past due comcast bill that was paid. Midland Cred Management shows up as a collection for my account with Credit One. Thats about it. Let me know what you all think should be my approach thanks.
  9. Hey Everyone i have been lurking on the forums and attacking some of my inquirys. The reason being is that i have a 654 EQ, 468 EX, and 493 TU. I use equifax.com as my puller to pull just my EQ since i am more concerned with that CRA at the moment, but here is credit summary. Equifax: Mortgages:0 Installment ACCTS: 2 HIGH BAL: 9500 (Student Loans that are deffered i'm still in college.) Revolving: 2 Credit Limit: 550 Other: 0 Total Open: 4 INQ: 41 I have 0 negative accts on my EQ, the 3 TL's that show there are ones that went to collection, but they still show as paid as agreed for whatever reason of the other... TransUnion: Mortgages:0 Installment ACCTS: 8 HIGH BAL: 19,626 (Student Loans that are deffered i'm still in college.) One was charged off (Sallie Mae Currently in settlement with them ) Revolving: 0 Other: 2 BAL: 1,051 Total Open: 10 INQ: 12 Experian: Mortgages:0 Installment ACCTS: 8 HIGH BAL: 19,626 (Student Loans that are deffered i'm still in college.) One was charged off (Sallie Mae Currently in settlement with them ) Revolving: 0 Other: 0 Total Open: 0 INQ: 14 So i have been trying to challenge the INQ's in EQ since it is the only CRA that i have semi decent. I sent a regular letter and some fell off like 3, but i don't know what else i can do. i don't even recall 41 INQ's. Well when i saw my EQ i tried to apply to like 10 different places to see if i get approved to build up my credit again since i don't have any credit cards and i got approved for the Chase Amazon Visa @ a $400 CL and i went ahead and got a secured card from Wells Fargo for $500. I don't think i should attack the other accts since i don't want them to start posting to my EQ. Since it is the only decent one i have. What should i do? Any help will be greatly appreciated thanks!

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