THESE ARE A PAIN IN MY ASPIRATIONS!! Need help

[Longilaala]

Need help in trying to remove these. Don't want to wait until the end of the year.

Information from Equifax 3 bureau report. I apologize if it is TMI.

 

 

Closed Accounts--ADVANTA/Cardworks

ADVANTA/CARDWORKS

 

EquTUifax

TransUnion

Experian

Account Type:

Revolving

Revolving

Revolving

Account Number:

54XXXX

54XXXX

54XXXX

Payment Responsibility:

Individual

Individual

Individual

Date Opened:

11/2002

11/2002

11/2002

Balance Date:

02/2015

01/2011

05/2009

Balance Amount:

$14,813

$14,813

$0

Monthly Payment:

$0

High/Limit:

$14,813

$14,800

$14,813

Account Status:

Collection

Collection

Collection

Past Due Amount:

$14,813

$10,887

$0

Comments:

LAST REPORTED DELINQUENCIES: 03/2011=R9,02/2011=R9 CHAPTER 7 BANKRUPTCY DISMISSED CHARGED OFF ACCOUNT

ACCOUNT CHARGED TO PROFIT AND LOSS

LAST REPORTED DELINQUENCIES: 05/2009=R9 CHARGE OFF LAST PAID:

 

This was a business account.

I tried to dispute these before but I made a mistake in saying that the account was mine but the date of last payment was wrong.

They just added Cardworks to the account title and I thought it was the actual Advanta account. I didn't realize that it was a collection account until it was too late. Came back verified

Reported DOLA is different for each CRA

EX--05/09 EQ--12/08 TU--11/08

As far as I understand now--Advanta went belly up abut the same time my company did in 2008 - 2009

 

Thinking that the next move is to require method of verification. Is there something else that I should be considering?

 

 

Hillcrest Collections:---TU only

STCOL

 

HILLCRESTCOL

 

Equifax

TransUnion

 

Account Type:

Open

 

Account Number:

25XXXX

 

Payment Responsibility:

Individual

 

Date Opened:

01/2012

 

Balance Date:

03/2015

 

Balance Amount:

$2,464

 

Monthly Payment:

 

High/Limit:

$2,464

 

Account Status:

Collection

 

Past Due Amount:

$0

 

Comments:

COLLECTION ACCOUNT ORIGINAL CREDITOR: 05 SAFEHOME SECURITY COLLECTION ACCOUNT

 

 

 

ORIGINAL SAFE HOME SECURITY ACCOUNT

 

 

Transunion Reported

 

SAFEHOME SEC

 

Equifax

TransUnion

Experian

Account Type:

Open

Account Number:

XXXX

Payment Responsibility:

Individual

Date Opened:

06/2004

Balance Date:

09/2011

Balance Amount:

$2,464

Monthly Payment:

High/Limit:

$2,464

 

I haven't tried to do anything with this yet. Hadn't been able to determine the SOL on this if 5 years or not. Anyone Know? It will be 5 years after BK7 dismissed 0n Apr 26. Contract was for 3 years and I cancelled in writing but they claimed they never received it and tried to get me to pay for monitoring on a home that I didn't own anymore. I refused. They claim they got payments thru December 2008 but I stopped paying them in 2007. Anything I can do here?

 

 

 

 

Bank of America Equifax TransUnion Experian

Account Type:

Revolving Revolving

Account Number:

480011599106XXXX XXXX

Payment Responsibility:

Individual Individual

Date Opened:

07/2004 07/2004

Balance Date:

10/2012 10/2012

Balance Amount:

$0

Monthly Payment:

High/Limit:

$1,011 $600

Account Status:

Collection Collection

Past Due Amount:

$0 $0

Comments:

LAST REPORTED DELINQUENCIES: 01/2011=R5,12/2010=R5,11/2010=R5 CHARGED OFF ACCOUNT ACCOUNT TRANSFERRED OR SOLD CLOSED PURCHASED BY ANOTHER LENDER LAST REPORTED DELINQUENCIES: 03/2012=R9 CHARGE OFF LAST PAID: 06/2010

 

 

WHat can I do with this? Have 2 more years on SOL for reporting. SOL expired for lawsuit. Been dormant. Do I want to wake them up.

Will be trying for a mortgage at the end of this year. Should I try to make a deal with them?

 

THanks again for indulging me and for your help. MUCH appreciated.

 

[Longilaala]

Holy crap. Didnt look like this when I copied and pasted. SORRY>

[Konrad2012]

You keep mentioning date of last activity (DOLA) when you need to be worried about date of first delinquency (DOFD).

 

I would be asking the Advanta/Cardworks to be supplying you with detailed accounting, copies of original signed contracts etc etc. If the OC is belly up, there is a good chance they do not have any of this documentation and cannot get it.

 

The SafeHome should be out of SOL if the last payment was in 2008 or earlier. I would be asking them for original signed contracts, detailed accounting etc. If you last paid them in 2007 and can prove it, that account should bo off your reports already.

 

I can't make sense of anything else. You really need to reformat it so people can help you.

[Longilaala]

You keep mentioning date of last activity (DOLA) when you need to be worried about date of first delinquency (DOFD).

 

I would be asking the Advanta/Cardworks to be supplying you with detailed accounting, copies of original signed contracts etc etc. If the OC is belly up, there is a good chance they do not have any of this documentation and cannot get it.

 

The SafeHome should be out of SOL if the last payment was in 2008 or earlier. I would be asking them for original signed contracts, detailed accounting etc. If you last paid them in 2007 and can prove it, that account should bo off your reports already.

 

I can't make sense of anything else. You really need to reformat it so people can help you.

THanks for even taking the time to try. It is horrible. Should I just delete and start a new one. Kind of sleepy right now. Thanks for the info on the DOFD.

[Longilaala]

ADVANTA/Cardwoks.

Basically differenet information being reported. Was business account and Advanta went belly-up. The CRA's were reporting it as Advanta- OC instead of Cardworks being a CA. Tried to dispute based on DOFD but came back verified.

Next steps??

 

Bank of America

Sold and have not received any contact from debt Buyer. Wouldn't mind leaving it there but want to apply for mortgage at end of this year when all negatives are gone (except for this one). Benefit to paying it? Wouldn't mind if paying the OC 600 but think the new owner is going to tack on some ridiculous amount.

 

Safe Home Secure and Hillcrest

Definitely know I stopped paying them in 2007. Didn't send the cancellation letter return receipt and they claimed

 

 

You keep mentioning date of last activity (DOLA) when you need to be worried about date of first delinquency (DOFD).

 

I would be asking the Advanta/Cardworks to be supplying you with detailed accounting, copies of original signed contracts etc etc. If the OC is belly up, there is a good chance they do not have any of this documentation and cannot get it.

 

The SafeHome should be out of SOL if the last payment was in 2008 or earlier. I would be asking them for original signed contracts, detailed accounting etc. If you last paid them in 2007 and can prove it, that account should bo off your reports already.

 

I can't make sense of anything else. You really need to reformat it so people can help you.

THanks for even taking the time to try. It is horrible. Should I just delete and start a new one. Kind of sleepy right now. Thanks for the info on the DOFD.

 

ADVANTA/Cardwoks.

Basically differenet information being reported. Was business account and Advanta went belly-up. The CRA's were reporting it as Advanta- OC instead of Cardworks being a CA. Tried to dispute based on DOFD but came back verified.

Next steps??

 

Bank of America

Sold and have not received any contact from debt Buyer. Wouldn't mind leaving it there but want to apply for mortgage at end of this year when all negatives are gone (except for this one). Benefit to paying it? Wouldn't mind if paying the OC 600 but think the new owner is going to tack on some ridiculous amount.

 

Safe Home Secure and Hillcrest

Definitely know I stopped paying them in 2007. Didn't send the cancellation letter return receipt and they claimed they never got it. Had so many other more urgent things at the time I didn't follow thru then. They are the sleaziest alarm monitoring company. Problem is how do I prove that I didnt pay them?

[Konrad2012]

 

 

 

You keep mentioning date of last activity (DOLA) when you need to be worried about date of first delinquency (DOFD).

 

I would be asking the Advanta/Cardworks to be supplying you with detailed accounting, copies of original signed contracts etc etc. If the OC is belly up, there is a good chance they do not have any of this documentation and cannot get it.

 

The SafeHome should be out of SOL if the last payment was in 2008 or earlier. I would be asking them for original signed contracts, detailed accounting etc. If you last paid them in 2007 and can prove it, that account should bo off your reports already.

 

I can't make sense of anything else. You really need to reformat it so people can help you.

THanks for even taking the time to try. It is horrible. Should I just delete and start a new one. Kind of sleepy right now. Thanks for the info on the DOFD.

 

ADVANTA/Cardwoks.

Basically differenet information being reported. Was business account and Advanta went belly-up. The CRA's were reporting it as Advanta- OC instead of Cardworks being a CA. Tried to dispute based on DOFD but came back verified.

Next steps??

 

Bank of America

Sold and have not received any contact from debt Buyer. Wouldn't mind leaving it there but want to apply for mortgage at end of this year when all negatives are gone (except for this one). Benefit to paying it? Wouldn't mind if paying the OC 600 but think the new owner is going to tack on some ridiculous amount.

 

Safe Home Secure and Hillcrest

Definitely know I stopped paying them in 2007. Didn't send the cancellation letter return receipt and they claimed they never got it. Had so many other more urgent things at the time I didn't follow thru then. They are the sleaziest alarm monitoring company. Problem is how do I prove that I didnt pay them?

 

1. Tell the CA you want detailed accounting of every payment, every bill. A copy of the signed contract. License to operate in your state, etc etc. Lots of sample letters in threads or in the newbie section. Pin down the DOFD as best you can or get them unable to validate anything and dispute with the CRA.

 

2. No advice on BofA.

 

3. Repeat #1. Pin down the DOFD as best you can and then dispute with the CRA's.