Husker Posted February 19, 2005 Report Share Posted February 19, 2005 About 6 months ago I finished paying a Judgement to Citifinancial through a garnishment.This is a quote from the letter I received, dated 10/30/04 from Citifinancial when I had satisfied the judgement.“This letter is to acknowledge receipt of your final payment, which pays your account in full. We will notify the three primary Credit Reporting Agencies to update their records accordingly. As this is a manual process, we ask that you give the agencies sufficient time to update their records.”Here is how my 3 in 1 report reads as of 2/7/05Equifax: Has 3 different listings for the same debt. Each listing is for a different office as it went from their local office to collections to the main office that filed the judgement against me. Monthly payment, Date open, High Balance agree on all three listings. Account #: 607439553030XXXX Acct Status: Closed Balance: $0 Past Due: $0 Remarks: PAID CHARGE OFF Payment Stat.: Bad debt & placed for Collection & skip Account #: 607336583031XXXXAcct Status: OpenBalance: $7140Past Due: $1264Remarks: UnsecuredPayment Stat.: At least 120 days or more than four payments past dueAccount #: 607336583031XXXX Acct Status: Open Balance: $7140 Past Due: $745 Remarks: UnsecuredPayment Stat.: not more than four payments past dueExperian: Has 2 different listings for the same debt.Account #: 607439553030XXXX Acct Status: Closed Remarks: N/A Payment Stat.: Paid, was charge-off Account #: 607336583031XXXXAcct Status: OpenRemarks: N/APayment Stat.: Past due 180 daysTransUnion: Only 1 listing for debtAccount #: 607439553030XXXX Acct Status: Closed Balance: $1 Past Due: $0 Remarks: Profit and loss writeoff Payment Stat.:Charged off as bad debt Any suggestions on what I should do? Looks like I need Citifinancial to remove the 2 accounts that show open and paid or pays as agreed with no reference as a charge off on all 3 accts.Question in regards to the Charge off, can the same office charge off the account and then turn around and sue for a judgement?Husker Link to comment Share on other sites More sharing options...
Anisah_H Posted February 21, 2005 Report Share Posted February 21, 2005 Bump Link to comment Share on other sites More sharing options...
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