Negative TU TL Deletion Question... HELP! HELP!

[RealMcKoy]

Hi

My journey to repairing my credit. I have noticed that 4 negative TL that have blank 'Address identification number' on my TU. I'm wondering is there anyway I can dispute these negatives base on the fact that the TL isn't tied to any of the several addresses variation reporting on TU?

e.g,

CHASE BANK USA,

Address Identification number: BLANK

Stauts: Closed. $1,289 past due as of Dec 2010

Date Opend: 10/2001

Last Reported: 12/2010

Original Amount: $4,422

Comment: Purchased by another lender.

I've don't recall having a Chase account. I think the account is an account Providian alleged I owned at some point (Providian--->WAMU--->Chase). The account was sold to Equable Finance. INC. And I was taking to court over the debt maybe two years ago. I won the case because they were not able to furnish any agreement with my signature to actually prove the account was owned by me. After several letters to Equable Finance. INC. I was able to have them remove their negative TL off all three CRA. The problem is Chase is still report the alleged debt the three CPA which is greatly impacting my credit score. Any advice on how I should go about having Chase delete the negative TL.

Citi Card/CitiBank

Address Identification number: Blank

Status: Piad in Settlement. $20,339 written off.

Status Details: This account is scheduled to continue on record until June 2015.

Date Opened: 06/2004

Credit Limit/Original Amount: $18,210

High Balance: $20,339

Last Reported: 03/2010

Status Details: This account to continue or record until June 2015

Comment: Account paid in full or less than full balance

I paid this debt off in a settlement before I knew about the wonderful creditboards. I was bullied by Rubin & Rothman LLC associate that they will sue blah bah blah, that kept calling my phone, and eventually I agreed to pay $10,000 on a $20.000/50% debt over a 6 months term. I paid the debt off as agreed. but Citi Card still reporting negative on CRA accounta... To add insult to injury I was hit with a Forgive Fed. Debt by the IRS ($7,600) for both NYC Federal ($1,212.58 paid) & NYC State ($1,000.3 still pending just received it last week). Collectively I paid more than half. If I knew what I knew now I would have just negotiated a deal with Citi Bank and paid for deletion... Any input will be greatly appreciated....

Macys

Address Identification Number: Blank

Status: Account charged off. $445 written off. pass due as of Jan 2012

Status details: This account is scheduled to continue on record until Aug 2017. This item w as updated from our processing of your dispute in Jul 2006.

Date Opened: 10/1998

Last reported: 1/2012 (This information is incorrect)

Comment: account closed at credit grantor's request

I have made several attempts to resolve this debt with Macys the original debt amount was $245.00 cant remember the year.. but the debt have been sold the a CA that does not report to the CRA. I sent a letter request a paid for deletion and they never responding, and sent a DV and they never responded. I am frustrated because I don't know what my next option is in order to exonerate negative TL from all three CRA.

Visa/Dept Stores National Bank (Bloomingdales visa I think)

Status: Account charged off. $4,143 written off. $4,143 past due as of Mar 2012.

Status Details: This account is scheduled to continue on record until Dec 2016.

Date Opened: 05/2003

Reporting since: 03/2010

Credit Limit/ Original Amount $4,600

Recent Balance: $4,143 as of 03/2012

Comment: Account closed at credit grantor's request.

I have yet to be contacted by a CA or JDB over this debt. I have reached out to Bloomingdales and they say they don't have any record on file for me... Which throw me into a loop, because they are reporting negative TL on all three CRA.... HELP!

PS:My goal ultimately is to repair my credit so I can purchase a home in the near future... for the pass several years I have been a cash on carry type of gentleman.... but I want to change that aspect of my life.

Thanks in advance,

-RealMcKoy

[parttime]

What is the SOL's in ur state and what are the DOFD for each of the accounts?

[RealMcKoy]

What is the SOL's in ur state and what are the DOFD for each of the accounts?

If my memory serve me justly... NYC SOL 6 years

 

DOFD/

 

CHASE: 6/2009 (CLS)

 

Macy's: 9/2010, CO 1/2012

 

Citi Bank: 9/2008 CO 1/2009

 

Visa/DEPT. Stores national bank:

3/2010

 

Thanks on advance...

 

 

 

 

 

 

Sent from my iPhone using Tapatalk

[RealMcKoy]

Admin/Mod can you please change the title pls... From TU to Experian.

 

I made a crucial error while trying the topic long day...

 

 

Sent from my iPhone using Tapatalk

[RealMcKoy]

Bump!!!

 

 

Sent from my iPhone using Tapatalk

[TX-Bluebonnet]

You can dispute TLs with Experian whether or not it has an address identification number. It's just that some people claim experian disputes are more likely to get it deleted if there isn't an address tied to the TL.

 

I suggest you start over in a new thread, but list just one of your accounts. I'd start with: Visa/Dept Stores National Bank (Bloomingdales visa I think). But add in the current balance and the DOFD. Someone asked about the DOFDs and you replied that the Visa/Dept Stores TL DOFD is 3/2010, but you also said "Reporting since: 03/2010." Double check those dates before starting that new thread since it's highly unlikely they'd be the same.

[RealMcKoy]

You can dispute TLs with Experian whether or not it has an address identification number. It's just that some people claim experian disputes are more likely to get it deleted if there isn't an address tied to the TL.

 

I suggest you start over in a new thread, but list just one of your accounts. I'd start with: Visa/Dept Stores National Bank (Bloomingdales visa I think). But add in the current balance and the DOFD. Someone asked about the DOFDs and you replied that the Visa/Dept Stores TL DOFD is 3/2010, but you also said "Reporting since: 03/2010." Double check those dates before starting that new thread since it's highly unlikely they'd be the same.

Thanks for all your great insight! I will start individual topic for each negative TL I have. I'll attempt to do that once I have computer access.

 

 

Sent from my iPhone using Tapatalk