Experian Negative TL Deletion - Visa/Dept Stores National Bank

[RealMcKoy]

My mission to repair my credit! I made poor choices with my credit because I was too young to understand the importance of it. Any valuable information garner will be greatly appreciated! How can I go about having this negative TL deleted. there seem to be so many erroneous information about this debt on my CR.

 

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!

 

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

Reported since: 03/2010

Last reported: 3/2012

DOFD: 3/2010

I noticed there is two CO dates, 9/2010 and 3/2012 (I wonder if I can dispute that for erroneous CO date?)

Credit Limit/ Original Amount: $4,600

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

Comment: Account closed at credit grantor's request.

 

-RealMkoy

Edited June 1, 2014 by RealMcKoy

[shifter]

why does the thread title say EX, but you say it's on all 3?

[stroked89coupe]

why does the thread title say EX, but you say it's on all 3?

 

 

 

Probably just a typo, OP I can fix it if you need me to.

[RealMcKoy]

 

why does the thread title say EX, but you say it's on all 3?

 

 

Probably just a typo, OP I can fix it if you need me to.

Typo on my part... Sorry about that!!! please fix OP if possible to reduce confusion.

 

 

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Edited June 1, 2014 by RealMcKoy