jkbowen1021 Posted May 3, 2007 Report Share Posted May 3, 2007 I disputed two items with the TU CRA. One was Household Bank and the other was my BK7. To my complete amazement, my BK7 was removed. BUT the Household was updated stating that it was a paid after charge-off/collection. I never paid them. It is due to fall off on 04/2010. Should I leave it alone?? These people have sued me, but I have heard nothing from them since they got judgement. Here is what it says. HSBC NV # (deleated) PO BOX 19360PORTLAND, OR 97280-8706 (800) 477-6000 Balance: $ 0 Date Verified: 03/2004 Credit Limit: $ 0 Past Due: $ 0 Pay Status: >Payment after charge off/collection< Account Type: Revolving Account Responsibility: Individual Account Date Opened: 11/2002 Date Closed: 12/2003 Date Paid: 05/2003 Loan Type: Revolving Account - Credit Card Remark: Account information disputed by consumer Estimated date that this item will be removed: 04/2010 First of all, it was a joint account, not individual. Date verified should read today, not 3/2004; If it was a charge off, why does the date closed account show later then my payment date?? If it was paid before it was closed, it should not be a charge off, right?? Please help me out here as I am at a complete loss. Thanks!! Link to comment Share on other sites More sharing options...
jkbowen1021 Posted May 3, 2007 Author Report Share Posted May 3, 2007 I also disputed it through EX CRA and this is what theres' says....HSBC NV Address: PO BOX 19360 PORTLAND, OR 97280 No phone number available Account Number: ************ Status:Transferred,closed/Account charged off. Date Opened:04/2003Reported Since:03/2004Date of Status:04/2004Last Reported:04/2004 Type:RevolvingTerms:NAMonthly Payment:$0Responsibility:Individual Credit Limit/Original Amount:NAHigh Balance:$767Recent Balance:NARecent Payment:NA Account History: Charge Off as of Mar 2004 Your Statement: Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act) Creditor's Statement:Purchased by another lender. So, as I read it, they reported two different things to two different CRA, right? Is there anything that I can do. Link to comment Share on other sites More sharing options...
willingtocope Posted May 3, 2007 Report Share Posted May 3, 2007 I guess the first question is, was the HSBC account included in the BK? If so, rattling their cage might cause them to report it as IIB, which brings your BK back. It looks to me, with a $0 balance, this has probably been sold anyway, so I don't think its hurting too badly. You might just leave it alone. Link to comment Share on other sites More sharing options...
jkbowen1021 Posted May 3, 2007 Author Report Share Posted May 3, 2007 No, it was not in it. I filed back in 2000. These were incurred in 2003, at least that is what it looks like. Link to comment Share on other sites More sharing options...
MadinKS Posted May 3, 2007 Report Share Posted May 3, 2007 These people have sued me, but I have heard nothing from them since they got judgement.I think the best thing at this point is what willing said, just leave it alone for fear of waking the sleeping beast. All it takes for them is a paper submitted to the court to take your money from any account or wages. So, if you make too much of a stink about it, garnishment may result and you don't want that.Trust me. Good luck. Link to comment Share on other sites More sharing options...
willingtocope Posted May 3, 2007 Report Share Posted May 3, 2007 Okay, I'm confused. You filed BK7 in 2000. Did you then open an account with HSBC in 2002...and default on that? Or, is it possible that HSBC bought one of the accounts from someone else that was IIB? Link to comment Share on other sites More sharing options...
jkbowen1021 Posted May 4, 2007 Author Report Share Posted May 4, 2007 Okay, I'm confused. You filed BK7 in 2000. Did you then open an account with HSBC in 2002...and default on that? Or, is it possible that HSBC bought one of the accounts from someone else that was IIB?Exactly...we thought we were ok financially, but boy were we mistaken. I know I should have never opened the account, but thought it would help out my credit. They own the account. It was never purchased from anyone. Is there someway that I can get the verification items from the CRA? I would like to know how the verified it. Since an attorney sued me, they should have all the info, the the OC, right?? I am just confused and don't know how to handle it. I think that this is really hurting my score. I really appreciate everyones help on this. Link to comment Share on other sites More sharing options...
timbercreektech Posted May 4, 2007 Report Share Posted May 4, 2007 Exactly to which question?You can't answer the questions, "What is your favorite color?" with a YES! Link to comment Share on other sites More sharing options...
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