Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.

Sign in to follow this  

In an odd position

The last post in this topic was posted 2034 days ago. 


We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

Hello - I'm new to the creditboards forum. I've been doing alot of reading the past few weeks and finally decided to sign up.


I recently signed up for both Transunion (645) and Equifax (639) to see where my credit score currently sits. Long story short i was careless with my money a few years back when i was in school and neglected to pay one of my credit cards. It got sent to collections but i ended up paying what i though was the full balance to Presidents Choice back in 2011. On my Transunion report there shows no balance against the the card, whereas Equifax shows a balance below of $322.00.


Equifax report below.


Phone Number: (866)2467262
High Credit/Credit Limit: $1,000.00
Account Number: XXX...618 Payment Amount: Not Available
Association to Account: Individual Balance: $322.00
Type of Account: Revolving Past Due: $322.00
Date Opened: 200609
Date of Last Activity: 201004
Status: Bad debt, collection account or unable to locate Date Reported: 201412
Months Reviewed:
Payment History: No payment 30 days late
No payment 60 days late
No payment 90 days late
Prior Paying History: At least 120 days past due ( 201011
) At least 120 days past due ( 201010
) At least 120 days
past due ( 201009
Comments: Writtenoff
Closed by credit grantor
Now i ended up calling Presidents choice and asking about balance and what it was seeing as i thought i paid off the full balance, i thought wrong. Anyways, i was a little surprised as they havent tried to contact me at all in 4 years since i paid what i though was the balance. Doesnt that seem a little odd? Anyways, i gave them my phone number and they said they would assign it to a collections agency. I'm fully able to pay off the balance with the collections agency, my only concern is that the DOLA is 2010-04, which means it will purge by 2016. If i pay the collections agency will that change my DOLA to 2015-01 and thus push the purging to 2021?
Not sure what to do here...Any suggestions or help would be greatly appreciated.

Share this post

Link to post
Share on other sites

Sign in to follow this  

  • Member Statistics

    • Total Members
    • Most Online

    Newest Member

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information