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About rburns515

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  1. I believe I didn't communicate clearly. The charge off is paid already. It was paid after it was listed as such. I know it matters. My question was about the status listed as "Paid Was s Charge-Off". Is that an accurate name given the account now. I am looking for ways to change or remove the "Was a Charge-Off".
  2. Yes it was. About 2 months after it it makes any difference.
  3. I have a Capital One Auto loan listed on my credit report as Status: "Paid, was a charge-off". This does not seem to be correct reporting to me. Can Experian report it this way? If not any advice on how to deal with it to remove would be helpful. The account is completely paid off.
  4. I believe you are correct. Everything points to this. I spoke to ScoreSense a little while ago and they feel this is to case. I am going to cancel my monitoring service now. Thanks so much for responding to my post.
  5. Thanks for responding. Yes I did and the results is there is data there but hasn't been updated for 3 months.
  6. Has anyone encountered this. I recently purchase Transunion ScoreSense to monitor my credit reports and scores. They are reporting for Transunion and Experian but nothing for Equifax, no score and no credit file data. I think it was them so I tried another trial credit monitoring service and got the same results. I have challenged a few things on my Equifax report but you would think they would report the data I am not challenging. Anyone else ever encounter this from Equifax? Thanks!
  7. Much appreciated. I agree as it's not very much. Just didn't know it was there until I check my credit report. Thanks!
  8. It was after I found the collection on my credit report. I ask them to provide the following... • What the money you say I owe is for. • Explain and show me how you calculated what you say I owe. • Provide me with copies of any papers that show I agreed to pay what you say I owe. • Provide a verification or copy of any judgment if applicable. • Identify the original creditor. • Prove the Statute of Limitations has not expired on this account, show me that you are licensed to collect in my state; and provide me with your license numbers and Registered Agent. Also told them
  9. Recently I sent a validation letter to NCB Collection Agency. Here is their response... "We have received your dispute notice concerning your account with us. After conducting an investigation, we have been unable to substantiate the allegations in your dispute. Should you have additional relevant information or documentation not previously submitted, please mail these items to us along with your name, address and account number at the address listed below as soon as possible. Sincerely, NCB Dispute Investigation Department" What does this mean? Is this a failure
  10. Harry, You are right on point. It was Credit Karma that showed the drop. Should have included that in the post. I will take your advice. Thanks!
  11. Hello All, I recently disputed 6 items on my credit report with Equifax and today I notice the my credit score dropped 5 points. They have the disputed items listed as "Consumer disputes - reinvestigation in progress". Is it normal for the credit score drop as a result of an investigation dispute request? Thanks in advance of replies.
  12. Fisthardcheese, Thanks so much!!!! I will keep you updated on the results of your direction regarding Experian. As for Equifax I will do as you suggested but I thought you were supposed to ignore their request to user their identification form if you have sent in identification initially. Not sure I included that I did that in my original post. Thanks!
  13. All, I decided a month and a half ago to improve my credit. I pulled my credit reports from all 3 and decided to remove/Challenge the negative items in them. I sent each credit bureau a certified receipt letter and received the signed green notification receipt document. Here are my results and hoping I can get help with the next step. Equifax received my request on Jun 18, 2015. (Results -Stated I needed to complete their form to validate my identify. I didn't complete the form and have not heard anything else from them.) What should be my next step? Experian received my req