CO still reporting - How should I approach this acct?

[User7890]

Picture of this account can be seen here: https://picasaweb.google.com/117986851363063351101/Creditboards?authkey=Gv1sRgCMma_YTh2vyEzgE&feat=directlink

 

Dec 2007 acct reported CO. Left with a $22 balance, has been reporting ever since as CO on Equifax, the combined report I attached kinda confuses me a bit more because it shows Equifax reporting "OK" and Experian reporting "KD"?

 

Thanks and all advise welcomed.

[User7890]

Bump

[lemonlimez]

Your probably need to get hard copies from each of the credit reporting agencies to start off. This looks like a 3rd party credit monitoring site.

Have you checked out the jackattack and getting started stickies? http://creditboards.com/forums/index.php?showtopic=296328

[User7890]

Your probably need to get hard copies from each of the credit reporting agencies to start off. This looks like a 3rd party credit monitoring site.

Have you checked out the jackattack and getting started stickies? http://creditboards.com/forums/index.php?showtopic=296328

 

I have all three reports that I ordered via phone in response to a denied mortgage app. I have reviewed the getting started stickies. I'm think I am in info overload and don't know how to approach this one specifically. It's a bit confusing to me because the OC is the one still reporting - not a CA. Not sure how to dispute this? Apparently, I settled this account for $22 less than what was owed? I thought for sure I paid in full - a very late payment - but definatley paid in full.

 

I am considering doing the 1-2 punch and jackattack the CRA. Meaning - I will start by sending debt verifiction letters to all the TL's i wish to dispute, wait for my green cards, then mail one letter will all disputed TL's combined to the CRA......

 

This plan sound good? I have not looked into deleting old address, and have online disputed 3 previous baddies with 1 successful deletion, 2 confirmed about 6 mths ago. (I'm not so sure about the re-investigation process on those)

 

Am I approaching this right?

Thoughts on the re-investigating previously verified baddies?

[User7890]

I'm curius - since the date of 1st Deliquency is 06/2007 - will the entire account fall off 06/2014? OR since they have been reporting each month will it just continue forever?

[tcindie]

Should fall off. I had an old credit union account that was a charge off. They dutifully reported every month for 7 years, but it's gone from my report now.