candydandy Posted November 21, 2004 Report Share Posted November 21, 2004 I just got a copy of my hubby’s credit report from Trans Union via snail mail, and was wondering if someone here could help me with a few questions. This is what his report looks like for negatives:MBNA AmericaAccount closed by consumerUpdated: 12/2003Opened: 11/2000Paid Off: 3/2003Most Owed: $4125Status as of 12/2003: Charged off as bad debtMy comments/Questions: Why does it say paid off when it really isn’t? It doesn’t say anything about DOLA, so should I go by the ‘Updated Date’? I KNOW that wasn’t when a payment was last made. It was longer than that since we’ve made any payments to them.ProvidianAccount closed by consumerUpdated: 11/2003Opened: 1/2000Paid Off: 11/2003Most Owed: $2195Status as of 11/2003: Charged off as bad debtHousehold BankAccount closed by credit grantorUpdated: 6/2003Opened: 10/2000Closed: 2/2002Most Owed: $3157Past Due: $394Status as of 6/2003: Charged off as bad debtMy Comments: Closed date shows 2/2003, so wouldn’t this be the DOLA? If so, that’d be great, and I would only have three more months to ride on this before SOL is reachedCollection RecordMedical Data Systems Inc.Collection Agency/AttorneyPlaced for CollectionUpdated: 10/2004Placed: 10/2001Status as of 10/2004: Collection AccountMy Comments: This is a medical bill for my hubby. Isn’t the ‘Placed’ date now out of SOLCollection RecordNCO FinancialPlaced For CollectionNCOP Purchaser From CitibankUpdated: 10/2004Placed: 7/2004Status as of 10/2004 Collection Account Past Due: $3242Collection RecordCalvary RecordsCalvary Portfolio ServicesPlaced For CollectionUpdated: 9/2004Placed: 11/2003Past Due: $2131Status as of 9/2004: Collection AccountCollection Agency/AttorneyProvidianMy Comments: This is the one I received a summons from. I’ve already filed the paperwork at the courthouse claiming I did not have enough information to tell whether the bill is ours. Collection RecordFranklin Collection AgencyPlaced for CollectionUpdated: 2/203Placed: 12/2000 Balance: $60 Status as of 2/2003: Collection Account Link to comment Share on other sites More sharing options...
LadynRed Posted November 21, 2004 Report Share Posted November 21, 2004 The ones that say 'paid off xx/xx/xx" is probably when the OC SOLD the account to some JDB or CA. If YOU made no payments that's likely what it means.TransUnion doesn't show DOLA, so you have to call them and ASK for the DOLA and the date of first delinquency preceeding the charge-off."Closed date " is likely NOT the DOLA. DOLA refers to either a charge or a payment, not an action by the creditor."Placed" date is also irrelevent to SOL, when were the services provided and when was payment due ?? Link to comment Share on other sites More sharing options...
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