viking Posted March 15, 2005 Report Share Posted March 15, 2005 Credit Grantor Contact InformationNot on record Account Number Not on record Account Type Revolving Credit Limit(High Credit) $700 Minimum Monthly Payment (Terms) $98Date Opened May, 1997 Date of Last Activity July, 1999 Description Credit CardAmount in H/C column is credit limitLast Report on January, 2000 Balance Current status Past Due Amount $1,049 120+ days past due $85 Recent Payment History Seven Year Payment History 30 days late: 2 2 30 days delinquent 60 days late: 1 10/1999 90+ days late: 2 12/199911/1999 What the heck does this mean? It says Fleet CC in the Account Summary at myfico.com. Is it closed&chargeoff, or are they keeping it open? Whi do I contact and what should be ny next move?cheers Link to comment Share on other sites More sharing options...
creditdodger Posted March 15, 2005 Report Share Posted March 15, 2005 Dispute with every CRA that has it listed. If they indeed do not have the contact information for the creditor, they won't be able to verify and the tradeline gets deleted and then you are done. If that doesn't happen you can then check back with us and get your next move. Link to comment Share on other sites More sharing options...
viking Posted March 16, 2005 Author Report Share Posted March 16, 2005 Thanks. How would you dispute it? As "not mine" perhaps? Link to comment Share on other sites More sharing options...
creditdodger Posted March 16, 2005 Report Share Posted March 16, 2005 That would be your first shot. Link to comment Share on other sites More sharing options...
viking Posted March 16, 2005 Author Report Share Posted March 16, 2005 Another follow up question:I have not lived in the States for 6 years, and still living abroad. The address listed with CRAs is obsolete. I probably should update it first, but the only address I have available is a PO box (somestreet suite #xxxx)To update the address, would CRAs require some kind of proof? How would I be able to provide that since I don't have any utility bills etc at my P.O box? Link to comment Share on other sites More sharing options...
workinninetofive Posted March 16, 2005 Report Share Posted March 16, 2005 They are dumbazzes, reporting an acct with no contact info.. no account number???. Link to comment Share on other sites More sharing options...
score booster Posted March 16, 2005 Report Share Posted March 16, 2005 You say it's listed in the account summary section as fleet cc; is there ANY reference to an account number there? Link to comment Share on other sites More sharing options...
viking Posted March 16, 2005 Author Report Share Posted March 16, 2005 look at my entire record:Account Type Company Account Number Date Opened Balance Open Account AAC Not on record Not on record $x,xxxOpen Account AFNI-BLOOM Not on record Not on record $x,xxxRevolving CHASE NA Not on record 5/1994 $x,xxxRevolving CHASE NA Not on record 12/1993 $0 Revolving FLEET CC Not on record 5/1997 $x,xxx Revolving UNIONPLNTR Not on record 9/1996 $0No acct numbers on record on any of them. No "date opened" on 2 first ones. And all of them are showing Credit Grantr Contact Info as "not on file"This is through myfico..Equifax report.How about that? Link to comment Share on other sites More sharing options...
workinninetofive Posted March 16, 2005 Report Share Posted March 16, 2005 Dispute it as "not mine" if they verify.. then say I'd like to know with whom since you don't even freakin know who to call. Link to comment Share on other sites More sharing options...
viking Posted March 16, 2005 Author Report Share Posted March 16, 2005 fair enough. Will do. Thanks. Just have to get them to accept my P.O box as address first... Link to comment Share on other sites More sharing options...
viking Posted March 16, 2005 Author Report Share Posted March 16, 2005 hmm, disputing as "not mine" has led to CRA putting a fraud alert on files. At least so I've read. How common is that problem? I certainly do not want that to happen./ Link to comment Share on other sites More sharing options...
viking Posted March 16, 2005 Author Report Share Posted March 16, 2005 WFT!!! Just signed up for PG thanks to Champion80 posting a link in another thread. So, now I find out that there ARE account numbers listed for all accounts. And I find MANY more entries than what was in the myfico report! BUT, and here is the thing: There is no mention of DOLA on the PG reports, but there is a "Date Open" on all of them. And that date is on most collection accts set to a date in 2002-2003 range. I have not made any pmts since 1999. Is this re-aging? Link to comment Share on other sites More sharing options...
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