Quadcam79 Posted April 16, 2007 Report Share Posted April 16, 2007 this is from my EQ CR....first of all....THIS...was discharged in CHAP 7, NATIONAL COLLECTION CONSUL Agency Address: 3733 University Blvd WSte 300Jacksonville, FL 322172103(904) 733-3033Date Reported: 03/2007 Date Assigned: 09/2003 Creditor Classification: Rental/Leasing Creditor Name: WOODHOLLOW MAAC Accounts Number: 53XXXX Account Owner: Individual Account. Original Amount Owned: $2,384 Date of 1 st Delinquency: 08/2003 Balance Date: 03/2007 Balance Owned: $2,384 Date of Last Activity : n/a Status Date: 03/2007 Status: D - Unpaid Comments: N/A---------------------------- and as you see i filed 2 months after evictionBankruptcy Date Filed: 10/2003 Liabilities: $0 Individual/Joint: Individual Individual/Business: Individual Bankruptcy Disposition: A,Discharged CH-7 Current Disposition Date: n/a Asset Amount: $0 _______________________________________HOUSEHOLD CREDIT SERVICESDate Opened: 10/2002 Balance: $0Date Reported: 06/2005 Amount Past Due: $0Date of Last Payment: 04/2003 Actual Payment Amount: $0Scheduled Payment Amount: $10 Date of Last Activity: n/aDate Major Delinquency First Reported: Months Reviewed: n/aCreditor Classification: Activity Description: Transfer/SoldCharge Off Amount: $653 Deferred Payment Start Date: Balloon Payment Amount: $0 Balloon Payment Date: Date Closed: 08/2003 Type of Loan: Credit Card Comments: Charged off account I'm not even sure what that one is and if i did have it, i put it in my chapt 7_______________________________________________FLORIDA DEPARTMENT OF REVChild Support EnforcementCurrent Status: COLLECTION ACCOUNT Balance: $1,467Amount Past Due: $1,067this one kills me, i have never missed a payment since the day my girl was born, plus it's auto deducted from my paycheck 2x a month now all of a sudden it shows in collections since 12/05.....makes no sensenow on my EX CR ....Account Name: CITI Account Number: 41280031XXXX Acct Type: Credit Card - Revolving Terms Acct Status: Closed Monthly Payment: Date Open: 11/1/1993 Balance: $0.00 Terms: Revolving High Balance: Limit: Past Due: Payment Status: Current Comments: Credit line closed-grantor request-reported by subscribercan I, should i get rid of that account ?____________________________________________________I also found that household bank that was reported on my EQ accountAccount Name: HSBC NV Account Number: 548897501337XXXX Acct Type: Credit Card - Revolving Terms Acct Status: Closed Monthly Payment: Date Open: 10/1/2002 Balance: $0.00 Terms: Revolving High Balance: $653.00 Limit: $0.00 Past Due: Payment Status: Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12 how do i get rid of this on all CR's since the info is obviously innacurate?______________________________________________________________also EX will not correct the NCC collections for the apartment tht was discharged in chapt7 ...i get this response "We have already investigated this information, and the creditor has verified that it is correct. 'and finally.....RJM ACQ LLC Original Creditor:COMPASS BANK OVERDRAFT/DDAAccount History: Collection as of Mar 2007i closed my compass account about 7 yrs ago...as far as i am aware RJM buys junk debt and then tries to collect on it.my response for my EX dispute was "agency unlicensed to collect debt in the state of fl, agency in violation of fl law" Link to comment Share on other sites More sharing options...
momof5 Posted April 16, 2007 Report Share Posted April 16, 2007 First off, RJM is an illegal reage of an acct. DV them with a threat of lawsuit if they do not remove from CRA and don't forget the ol FOAD letter.For me, after my BK, I wrote the CAs and OCs about the fact that their debt was discharged in BK and they had better show IIB zero bal or delete.How is HSBC inaccurate on EQ?The CRAs couldn't give a rip about whether or not a CA is licensed in your state and that it is illegal to colllect. For that you have to threaten the CA and notify your state AG, BBB that kind of stuff. In fear of being fined, they will usually delete. Link to comment Share on other sites More sharing options...
Quadcam79 Posted April 16, 2007 Author Report Share Posted April 16, 2007 thanks, my mistake with Hb...it should have read inaccurate in EQ, it was dischaged in BK....in EQ it says "Payment Status: Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12" , in EX it just says "charged off" Link to comment Share on other sites More sharing options...
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