pjjohns Posted May 30, 2005 Report Share Posted May 30, 2005 OK, I am reading the threads and I am such a novice that I don't even know what OC means! My credit report does not list the names of 3 creditors, only a masked account number and amount owing. How the heck do I find out who they are so I can contact them? Someone out there please help me. This RN is clueless... Link to comment Share on other sites More sharing options...
willingtocope Posted May 30, 2005 Report Share Posted May 30, 2005 The first forum at the top of the first page says "Please read before posting..." Don't feel bad, nobody else did either. In that forum, there's a "stickie" that explains all the acronyms...http://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=3838Now, when you say "credit report" are you looking at one of those 3-in-1 printouts? Actual credit reports do list name and address for all tradelines (TL) further down in the listing. Reading a credit report (CR) is an art form...they make it that way so that us poor consumers can't get in on the game.By the way, welcome...any questions at all feel free to ask... Link to comment Share on other sites More sharing options...
CreditSuperstar Posted May 30, 2005 Report Share Posted May 30, 2005 Yes...here is Cope's home phone #(xxx) xxx-xxxx (masked account/phone #) lol... ...Call 24/7/365 Seriously, please ask questions once you read the primers. One of the things we learn here is to pay it forward.Good luck!FCS Link to comment Share on other sites More sharing options...
CreditSuperstar Posted May 30, 2005 Report Share Posted May 30, 2005 PJ-Use this flowchart. It works wonders and will give you specific direction on how to proceed.FCShttp://www.creditinfocenter.com/rebuild/debt_validation_workflow.shtml Link to comment Share on other sites More sharing options...
pjjohns Posted May 31, 2005 Author Report Share Posted May 31, 2005 Thanks for the information, especially the abbreviations. The credit report was from Equifax which I purchased from FICO on line. Probably my first mistake, right? It does not give me much information in the way of addresses or anything. I will call and request one from Equifax directly. Anyway, I am a new RN, new divorce, kids grown and gone, handling this mess I was left with. Feel overwhelmed. Link to comment Share on other sites More sharing options...
willingtocope Posted May 31, 2005 Report Share Posted May 31, 2005 PJ ...you can order the 3 major credit reports online through www.annualcreditreport.com for FREE! The Federal Trade Commission has issued new ruling that the major credit bureaus must provide a free copy each year. Go there to order them... Link to comment Share on other sites More sharing options...
GreatGadsby Posted May 31, 2005 Report Share Posted May 31, 2005 Florida's not until July. Link to comment Share on other sites More sharing options...
willingtocope Posted May 31, 2005 Report Share Posted May 31, 2005 Web site says June 1, 2005. Is it possible they did something ahead of schedule??? Link to comment Share on other sites More sharing options...
GreatGadsby Posted May 31, 2005 Report Share Posted May 31, 2005 nope, you're right, it's June........ I was confused. Link to comment Share on other sites More sharing options...
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