really_bad_credit Posted June 4, 2003 Report Share Posted June 4, 2003 I had a credit card with Orchard Bank which was charged off. My credit report with EQX now reflects a closed account with Orchard (Says Paid Account/Zero Balance - Account Closed by Credit Grantor)and a closed account with HouseHold Bank (on all three agencies). My question is this: since Orchard is apparently a subsidiary of Household, can both items still show up on my credit report? Should I dispute with Orchard or with Household (or both)? Honestly, I had the Orchard account on my TU report also, but I disputed it and they took it off. I haven't formulated a plan for the Household account yet but I have sent them a letter asking them to offer a settlement. Any help would be appreciated. Thanks! Link to comment Share on other sites More sharing options...
paw67 Posted June 4, 2003 Report Share Posted June 4, 2003 I would definately start by disputing it with EQ & EXP. If TU removed it, maybe the others will follow. I believe that household bought Orchard so that is why they are on your report also. Is the information on both TL's the same (i.e. account#, bal, dola etc)?paw67 Link to comment Share on other sites More sharing options...
freexone74 Posted June 5, 2003 Report Share Posted June 5, 2003 well for what it's worth i sent a good will letter to household bank cause it was closed by credit grantor and had several 30 and one 60 day late. well i asked for the late notices to be removed and they sent back saying they would update it as paid as agreed. when i checked my 3 reports after a few weeks the 30 and 60 was gone but they re-opened the account and gave me a $3,000 credit limit. sooooo i'd say try a good will letter. sure didn't hurt me Link to comment Share on other sites More sharing options...
Recommended Posts