ec61975 Posted March 9, 2005 Report Share Posted March 9, 2005 Well when I started out on my escapade I had 12+ derogatory accounts/collection and my beacon score was a whopping 487Today I Have 2 derogatory accounts left and my beacon score is in the 630's1 of them I am just waiting for Collection Company of America to Delete, they have already sent me a letter stating that it was being deleted from my credit reports, and I had that response within 7 days of sending the certified letter to them listing the FCRA violations.The last one I need help with seems to be on eof the favorite cards here on the forum. The Chevron Credit Builder credit card.Some of the info is listed innacuratly and I have disputed it before, as being inaccurate. The CRA tell me that I need to contact the OC, the OC tells me that have no control over how it is reported.Here is the info on the account from PGEquifaxAccount Number: 10XXXXXXX Acct Type: Open Account Acct Status: Open Monthly Payment: $0 Date Open: May, 2002 Balance: $0 Terms: N/A High Balance: $199 Limit: N/A Past Due: $0 Remarks: PAID COLLECTIONCOLLECTION ACCOUNT Payment Status: At least 120 days or more than four payments past due ExperianAccount Number: 10XXXXXXXX Acct Type: Credit Card - Revolving Terms Acct Status: Closed Monthly Payment: $0 Date Open: May, 2002 Balance: $0 Terms: Revolving High Balance:$199 Limit: $200 Past Due: $0 Remarks: N/A Paid collection Payment Status: Paid, was a collection account, insurance claim or government claim or was terminated for default TransUnionAccount Number: 10XXXX Acct Type: Revolving account Acct Status: Closed Monthly Payment: $0 Date Open: May, 2002 Balance: $0 Terms: N/A High Balance: $199 Limit: $200 Past Due: $0 Remarks: Paid collection Payment Status: Payment after charge off / collection So I guess what I need help iin a lump sum is.Can a collection account be listed as OPEN / Revolving / Credit Card or should it have been listed as Collection AccountCan a collection have a credit Limit - It says I have a $200.00 Limit on Experian and Transunion.Can the terms be revolving if it is a collection account.Just curious if any of these are violations of the FCRA, FDCPA, FACTA so I can send a ceritified letter to them. I have already diputed that the information is innacurate. but came back as Verified. by all 3 CRA.Thanks for your help. Link to comment Share on other sites More sharing options...
ec61975 Posted March 10, 2005 Author Report Share Posted March 10, 2005 I just noticed through reading other information that Chevron is also showing a late payment last month on a paid collection, that was paid in April.I am sending a letter asking for Deletion and the $12,000.00 in FRCA, FDCPA, FACTA violations. has anyone had any problems with Chevron. I know that they are a favorite around here because they do help with re-establishing credit through thier credit builder program, but I have disputed the information as inaccurate 3 times only to have it verified, and re-aged. If it had only been corrected it would be having a lower impact on my credit scores. Link to comment Share on other sites More sharing options...
Valkyrine Posted March 10, 2005 Report Share Posted March 10, 2005 I called Chevron regarding an old account only showing on my TU. I used the number supplied by TU. I had to leave a message and they called me back.Mine was also listed as open, even though it was a paid collection from the late 1990s. I told the guy, "if this account is open as you are reporting, and I have a $400 credit limit as you are reporting, then I want a new card. Please send it to me asap." It was off in 2 days.I know this isn't an answer to your question, but maybe it will help you.Good luck. Link to comment Share on other sites More sharing options...
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