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This pisses me off... Discovered an old utility bill for $847 from a state a used to reside in, stemming from walking away from my old home in 2008 (foreclosed). Discovery was made when I began this credit report rehab project on May 6th or so. Account was listed by a CA in Oregon, with an amount of $1072. I had/have never received a phone call of piece of mail from them.....ever!!! I had the money, so I called the actual utility company to see if they would take my payment, hoping this would give me leverage to remove the CA and avoid the interest. They gladly accepted my payment for $847 and mailed me a receipt. I also DV'd the CA, after. I received a DV response from the CA stating the typical DV response, as well as a line stating that I have 14 days to contact them and make payment arrangements or they will proceed to the collect the amounts owed at the "clients discretion". The second page highlights payment made amount of $847 with a remaining balance for interest charges of $231.19. I sent a goodwill letter to the utility company, CMRR, stating who I spoke with, including that I paid the balance in full according to the people that I spoke with. They called me yesterday. They advised me that my balance was zero, but that I would need to contact the CA to make arrangements for the interest, as it is not part of their billing system, they have power to instruct the CA what to do, etc. I pushed back a bit, but it was going anywhere. Furthermore, and I do realize that they have 30-45 days to report any activity, NO ACTIVITY has been updated or reported on this TL. Payment was accepted on May 8th. I already disupted this with the CRAs. My thought is to send a response letter to the CA, but I'm not sure what to write/include, other than I'm pissed off, and I know that strategy won't get me anywhere. My objective is not to just get this thing reported with a zero balance, but to have it removed entirely. If I send a follow-up dispute to the CRA's, including a copy of the receipt showing payment to the original creditor, I don't know who the CA is, etc.....will that work to have it removed? Thanks for any and all guidance.
Four things I need some help with please: 1 Back in 2005, a "friend" of mine, while staying my my apartment when I was gone for the holidays, stole my credit card and used it for cash advances and other things totaling about $600 without my consent. When I got the statement, I called him out on it and he agreed to pay me back. Of course he never did and shortly thereafter we were no longer friends. Since then, I have been trying to get the cc company to mark the card as stolen. In the meantime, I had been making payments on it in an effort for it not to show negatively on my credit report. I made several phone calls to people with thick accents who seriously had no idea how to report it stolen. It was the oddest thing so I gave up on calling and sent letters and I'd get a call back from someone who had no idea what to do. They'd tell me to complete paperwork which I'd do and somehow when I called back about my "case" there was never a record. I finally stopped paying the $18 minimum in December 2011 - it was eventually charged off and now in the hands of a collector. Years ago I disputed it online with the credit reporting agency who simply responded saying the original creditor said the information was valid so it was never removed. The credit limit on the card was only $600, and interest included, I have since paid paid that much and more but never did pay it off so the balance showed and now shows $1,900. How can I finally get this removed from my report? This card has been a thorn in my side and I never once used it myself. I know that my payments probably seemed to prove to them that I did despite my phone calls and letters to the contrary. Any ideas? The original creditor was Juniper Bank and has since been bought out by Barclays which is what is showing on my report. I'd dispute their information if it wasn't charged off already. 2. I have an old phone debt from 2005 that I never paid. Is that now zombie debt if a creditor has it? It shows opened in 2011 on my report with the collection agency but it is from 2005 from that same friend placing $400 worth of calls to his ex wife in GERMANY while staying at my home over the holidays. Great friend, huh? I just couldn't pay that bill so my account was closed. 3. I just won a case over a JDB (well it was dismissed) and plan to file a motion to have them remove it from my report. How can I have the original debt from Wells Fargo that is now charged off removed as well? Is there a way? Lastly, 4. In 2008 I moved out of my apartment prior to the end of the lease and couldn't paid the penalty which was about $1,800. This is now in a collector's hands so the accounts shows as opened in 2011. I would think SOL on this debt would be back to 2007 when I originally signed my lease - is that not the case? Can I have it deleted based on the AZ 6 yr SOL for written debt? I am grateful for any assistance anyone can provide!!! THANKS!!!