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itsLoNC

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  1. I'm new to this, would you be willing to tell me what you did? This is a little overwhelming for me and I want to make sure I don't make any mistakes.
  2. I requested the reports yesterday afternoon.
  3. I agree with you. On my credit report, when I look at the account in collections is says "08 Synchrony Bank" so I was trying to call around and get more information. The last person I spoke to gave me that info of it being in collections until 2018, closed and then sold to portfolio in 2019. This is kind of a mess.
  4. I'm assuming what I obtained was a digital version of a paper report, since all 3 reports about 29+ pages each. However I will also request a paper copy from each reporting agency.
  5. I'm able, through annualcreditreports.com, to view my full credit report online for Equifax, TransUnion and Experian.. I did however, have to request a report from Innovis. Equifax has ("Closed') listed next to the mark on my report from Portfolio and says I have no accounts in collections ? However the account IS listed under the collections section for TransUnion and Experian have it listed. Edit: I spoke to someone at Synchrony and the had to refer me to their collections department, to which someone told me that the account was closed on April 3, 2018 and then sold to another collections agency (Portfolio) in Feb 2019..
  6. I will be requesting paper copies of all my credit reports, I'll do that today. I'm glad I asked before doing anything because the last thing I wanna do is make this even more complicated. Thank you both.
  7. Hi everyone, I've been trying to contact CRAs and its driving me crazy. I have a couple questions about what I should do.. I unfortunately do not have a file folder, I was young when this all happened and didn't keep documentation of this account. I also don't have older copies of my credit report. At this point I believe my best bet is to file a dispute with CRAs, my question is do I file a dispute with just one or do I need to do more. Would it be recommended for me to send a letting to Portfolio asking for proof of the debt or should I just file a despute? I just want to make sure I'm going about this the correct way.
  8. Thank you everyone for the responses. I'm going to do some digging tomorrow and I'll update once I find out some things. I'm also gonna look on Reddit just so I can see the other postings about Portfolio, they seem like a terrible company.
  9. Thanks for the responses. From my memory I believe the account was charged off in 2008 because I know I opened the account before that. I need to confirm that the charge off was in 2008. I would have to contact Synchrony for that correct? Or can I contact one of the CRAs?
  10. Hey everyone, I'm hoping someone here can steer me in the right direction with this situation. I have a debt from 2008 for Synchrony Bank from when I was in college. I made the unfortunate mistake of opening an Amazon credit card to buy books. It went into collections and was on my credit score for a while, and then fell off. However, I now see that Portfolio Recovery Services has placed that old debt back onto my credit report as a derogatory mark. I'm actively trying to improve my score and need some advice on what to do. Are they allowed to post that 12 yr old debt onto my report? Do I sent a request for proof of debt letter? Do I call one of the credit reporting agencies? If you have an additional question, please let me know and I'll gladly answer them. I'm very determined to improve my score and any help you can give would be appreciated.

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