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  1. Burdell

    Feeling overwhelmed......Where to start?

    Go ahead and order your complete credit reports from EQ, TU, and EX, and Innovus too if you like. You are entitled to one free report from each of these per year. Some states like GA allow two reports per year. If you apply for credit and are denied based on your credit report/score, you are entitled to a new report from the bureau that pulled your report for the credit application. Also go ahead and set up an account with Credit Karma. It's pretty good and it's free. It only looks at EQ and TU, but it will give you weekly updates, and it's a good way to watch your progress. Credit Karma also gives you a breakdown of your credit report and your credit scores and how they were calculated, what you can do to improve them over time, etc. I would consider 635 to be fair or poor. You should try to get your scores in the high 600s / low 700s, which I would consider to be average. Mid-700s is good, and high 700s / low 800s is excellent. You may be surprised at how quickly you can raise your scores following the advice from Credit Karma and the people on this forum.
  2. Burdell

    One account disappeared!

    Is the account still open? If so, it's probably just a glitch with Credit Karma or TU. In that case, it will clear itself up in another week or so. If the account has been closed for a while, it may have legitimately dropped off your credit report. If that's the case, and the account was one of your older ones it could lower the average age of your accounts and result in a decrease in your score.
  3. Burdell

    Collection agencies

    Which CRA reported this trade line, or does it show up on all three? Something similar happened to me about 10 years ago. It only affected my report from one bureau, not all three. I discovered the false trade line belonged to someone with the same first and last name and exact date of birth, but we had different middle names and SSN. Should never have happened, but first one of his trade lines showed up on my credit report (it was a collection account for cellular service) and then I started getting calls from all sorts of collection agencies looking for him for medical debts, other cell phone accounts, etc. I found out it started with Lexis/Nexis, which somehow started blending our files because of the similarity of our names and our identical birth dates. Best to investigate how this happened and nip it in the bud. Don't let it ride until it drops off. I actually had to hire an attorney to send a threatening letter to the CRA and Lexis/Nexis to get my situation fixed and ended up being able to get my entire L/N file deleted permanently as part of the settlement.
  4. BE CAREFUL!!! Depending on which state's laws govern this matter, you could inadvertently restart the statute of limitations clock by confirming that you owe the debt. Be very careful what you say to PRA and how you say it. Do not acknowledge the debt as yours.
  5. Interesting. I can think of several scenarios that might produce this kind of result. Identity theft is the one that worries me most. Have you checked your credit report(s) to ensure no one has recently opened a Harris Teeter account in your name?
  6. Burdell


    So they sat on this for two years or more before disclosing it to the compromised customers?

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