trhonda2000 Posted February 2, 2007 Report Share Posted February 2, 2007 Here is a copy of my whopping 21 collection accts. on my CR:Derogatory Public RecordsFICO scores consider the following public record information as negative: bankruptcy, foreclosure, garnishments, legal items and tax liens. This information is collected by the Credit Reporting Agency and stored on your file.Derogatory Public Record #1 Type Civil judgement Court Number 5AC038073 Amount $1,326 Date Paid Not on record Date Reported March, 2006 CollectionsA collection reference occurs when your creditor turns over an account you have not paid as agreed to a collection agency. FICO scores treat collections as negative items.Collection #1 Collection Agency COLLECT AMER Original Creditor 12 CACH020 BANK OF AMERICA P Account Number 1388113806110XXXX Whose Account Individual Account Date Assigned November, 2006 Date Reported January, 2007 Amount $4,772 Balance $4,772 Date Paid Out Not on record Date Closed Not on record Collection #2 Collection Agency NCO FIN/22 Original Creditor NCO ASSIGNEE OF FNANB BANK O Account Number 594XXXX Whose Account Individual Account Date Assigned December, 2004 Date Reported January, 2007 Amount $1,004 Balance $1,598 Date Paid Out Not on record Date Closed Not on record Collection #3 Collection Agency NCO- MEDCLR Original Creditor MED102 GRANITE CITY ER PHYSICIANS Account Number 3063XXXX Whose Account Individual Account Date Assigned May, 2006 Date Reported January, 2007 Amount $236 Balance $236 Date Paid Out Not on record Date Closed Not on record Collection #4 Collection Agency BERLIN-WHEEL Original Creditor 10 LACLEDE GAS COMPANY Account Number 106209XXXX Whose Account Individual Account Date Assigned July, 2006 Date Reported January, 2007 Amount $1,140 Balance $1,140 Date Paid Out Not on record Date Closed Not on record Collection #5 Collection Agency RJM ACQ LLC Original Creditor 01 FINGERHUT AXSYS NATIONAL BANK Account Number 603R180600560XXXX Whose Account Individual Account Date Assigned February, 2005 Date Reported January, 2007 Amount $147 Balance $147 Date Paid Out Not on record Date Closed Not on record Collection #6 Collection Agency CONSUMER ADJ Original Creditor MED102 ST LOUIS CO DEPT OF HEALTH Account Number 185XXXX Whose Account Individual Account Date Assigned May, 2005 Date Reported December, 2006 Amount $137 Balance $137 Date Paid Out Not on record Date Closed Not on record Collection #7 Collection Agency MIDLAND CRED Original Creditor SOUTHWEST BELL Account Number 851476XXXX Whose Account Individual Account Date Assigned December, 2005 Date Reported December, 2006 Amount $381 Balance $381 Date Paid Out Not on record Date Closed Not on record Collection #8 Collection Agency DEBT REC SOL Original Creditor SPRINT PCS Account Number 12980XXXX Whose Account Individual Account Date Assigned July, 2005 Date Reported December, 2006 Amount $179 Balance $179 Date Paid Out Not on record Date Closed November, 2005 Collection #9 Collection Agency OSI COLLECT Original Creditor MED102 DEPAUL HEALTH CENTER Account Number 611XXXX Whose Account Individual Account Date Assigned October, 2006 Date Reported December, 2006 Amount $75 Balance $75 Date Paid Out Not on record Date Closed Not on record Collection #10 Collection Agency FIN CR NETWK Original Creditor 10 AT T SOUTHWESTERN BELL Account Number 586XXXX Whose Account Individual Account Date Assigned October, 2006 Date Reported November, 2006 Amount $115 Balance $115 Date Paid Out Not on record Date Closed Not on record Collection #11 Collection Agency OSI COLLECT Original Creditor MED102 DEPAUL HEALTH CENTER Account Number 594XXXX Whose Account Individual Account Date Assigned July, 2006 Date Reported October, 2006 Amount $62 Balance $62 Date Paid Out Not on record Date Closed Not on record Collection #12 Collection Agency MARAUDER CO Original Creditor 12 QC FINANCIAL Account Number 508XXXX Whose Account Individual Account Date Assigned November, 2004 Date Reported October, 2006 Amount $533 Balance $662 Date Paid Out Not on record Date Closed Not on record Collection #13 Collection Agency AFNI Original Creditor 10 CHARTER COMMUNICATIONS Account Number 201026XXXX Whose Account Individual Account Date Assigned December, 2005 Date Reported October, 2006 Amount $449 Balance $449 Date Paid Out Not on record Date Closed Not on record Collection #14 Collection Agency RJM ACQ LLC Original Creditor 01 BLACK EXPRESSIONS BOOK CLUB Account Number 833R85XXXX Whose Account Individual Account Date Assigned November, 2005 Date Reported September, 2006 Amount $84 Balance $84 Date Paid Out Not on record Date Closed Not on record Collection #15 Collection Agency OSI COLLECT Original Creditor MED102 DEPAUL HEALTH CENTER Account Number 553XXXX Whose Account Individual Account Date Assigned October, 2005 Date Reported August, 2006 Amount $75 Balance $75 Date Paid Out Not on record Date Closed Not on record Collection #16 Collection Agency CRD PRT ASSO Original Creditor CHARTER COMMUNICATIONS Account Number 129094XXXX Whose Account Individual Account Date Assigned February, 2006 Date Reported July, 2006 Amount $416 Balance $416 Date Paid Out Not on record Date Closed Not on record Collection #17 Collection Agency OSI COLLECT Original Creditor MED102 DEPAUL HEALTH CENTER Account Number 585XXXX Whose Account Individual Account Date Assigned May, 2006 Date Reported July, 2006 Amount $90 Balance $90 Date Paid Out Not on record Date Closed Not on record Collection #18 Collection Agency CRD PRT ASSO Original Creditor CHARTER COMMUNICATION Account Number 123882XXXX Whose Account Individual Account Date Assigned May, 2005 Date Reported January, 2006 Amount $1,074 Balance $529 Date Paid Out Not on record Date Closed Not on record Collection #19 Collection Agency CON COL MGMN Original Creditor 01 ARBOR VILLAGE APARTMENTS Account Number 374XXXX Whose Account Individual Account Date Assigned August, 2005 Date Reported September, 2005 Amount $411 Balance $411 Date Paid Out Not on record Date Closed Not on record Collection #20 Collection Agency JEFFCAPSYS Original Creditor 01 FINGERHUT CREDIT ADVANTAGE Account Number 014098696XXXX Whose Account Individual Account Date Assigned April, 2002 Date Reported January, 2005 Amount $147 Balance $147 Date Paid Out Not on record Date Closed December, 2004 Collection #21 Collection Agency CREDIT SOL Original Creditor 12 CIRCUIT CITY PLUS Account Number AG51XXXX Whose Account Individual Account Date Assigned April, 2004 Date Reported August, 2004 Amount $1,004 Balance $1,004 Date Paid Out Not on record Date Closed Not on record Please advise where I should start in my credit repair quest? 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VonAngel (aka EarthAngel) Posted February 2, 2007 Report Share Posted February 2, 2007 How to Begin Credit Repair - A Primer Link to comment Share on other sites More sharing options...
bettacreditby40 Posted February 12, 2008 Report Share Posted February 12, 2008 trhonda, u let me know that there is hope!! I too, am at the strart of credit repair and need to know where to start with collection agencies. Link to comment Share on other sites More sharing options...
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