DeeT Posted May 23, 2007 Report Share Posted May 23, 2007 ok in 1997 my husband had a stroke and passed I have been trying to clean up my credit reports and have done ok with all of your help. I am now working on Capitol one and from what I have been reading it is not going to be easy. I actually went through every piece of paperwork I have to find anything on them, payment statments etc and just do not have anything but I have moved and it may have gotten thrown out.Here is what my report looks likeCap 1 Trans Union 41217414049 Balance High TU 1,151.00 Date Verified 4/2007 Pay Status Payment after Activity description Acct Type Revolving Date of last activity Last reported Reported Since Balance 0 Date open 03/1997 Date closed 3/2003 Date Paid 10/2003 EquifaxBal 1,151ver 4/2007Status Paid ChargeoffActivity PaidType RevolvingDate of last activity 9/2002Last reported 4/2006Reported since 4/2005Date opened 3/1997Date closed 3/2003Date paid 11/2003ExperianBal 1151ver 4/2007Status charge off 1,151 collectionwritten off CO March 2006 150 days, Feb 2006 120 days, Jan 2006 90 days, Dec 2005 60, Nov 30My questions are 1. Trans Union is saying I paid after it was charged off I am guessing around 11/2003 but I can't find how much I paid and who I paid it to. If I contact them will I be opening a bag of worms I can't handle right now. 2. Am I just reading this incorrectly? because if I did pay them in 11/2003 why is Experian showing the dates as unpaid. 3. Is it just saying I paid because they sold it to a JDB and they have not contact me.Any suggestions you can give will be helpful Link to comment Share on other sites More sharing options...
MadinKS Posted May 23, 2007 Report Share Posted May 23, 2007 Have you been with the same bank since then? If so, order the statements for Oct. and Nov 2003 and see if there is a payment to Crap One. If not, it may be that they have sold/transferred the debt. Does it say that anywhere on your CRs? (SOLD/TRANSFERRED) Usually, Crap One does their own collections and doesn't sell them out to JDBs. Just been my past experience w/them and can't speak for their practices as of now. My dealings with them were in 05. Link to comment Share on other sites More sharing options...
DeeT Posted May 23, 2007 Author Report Share Posted May 23, 2007 Great idea looks like my brain was not working called the bank paid the 1.00 for each month and should have them in a day or two.Thinking back then it may not be on a bank statement I did get a lot of bank checks to pay off things once the life insurance was settled. I guess I will hope for the bestNo nothing said about sold/transfered on TU only closed by credit grantor same with EQ and EX Link to comment Share on other sites More sharing options...
MadinKS Posted May 23, 2007 Report Share Posted May 23, 2007 Thinking back then it may not be on a bank statement I did get a lot of bank checks to pay off things once the life insurance was settled. I guess I will hope for the bestMaybe they have records of those too. Worth a shot. If they do, bam. Dispute. Have you already disputed these? If not, you need to. If only for the reason of inaccuracies being reported. It may be that it hasn't been updated on EX as paid and will be updated after dispute. If they show paid after chargeoff, more than likely it was paid and not sold. You could also call Crap 1 and ask. Since their reporting that inaccurately, you might mention that to them. Tell them if they don't correct it immediately, to show paid, you are going to sue them for violations of the FCRA. All depends on how you want to approach it I guess. BTW, I'm sorry for your loss and wish you the best. Link to comment Share on other sites More sharing options...
DeeT Posted May 23, 2007 Author Report Share Posted May 23, 2007 Well went to the bank and picked up the statements no payment to them on either. They are really great been with them for over 30 years. She was not sure how to look up a bank check from that far back but said she would find out and call me back tomorrow.I have previously disputed them and they keep on coming back verified. I am apprehensive to call them because I have not heard a thing from them and don't want to open a bag of worms I can't afford but I do think your right I must have paid them something just wish I knew how muchI am going to try and dispute again. No I am not going to sue them unless I have to. My goal is to get some good student loans for twin 18 year olds who are going to college this fall but I have to get the FICO up it's only at 609. Going to sell the house get something small and bank as much as I can so they are not burdened with tons of loans and probably work until I drop.Going to dispute again and see where it gets me.Thanks for the condolance we are all doing great now Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted May 23, 2007 Report Share Posted May 23, 2007 [deleted] Link to comment Share on other sites More sharing options...
MadinKS Posted May 24, 2007 Report Share Posted May 24, 2007 Let us know how it turns out. Good luck. Link to comment Share on other sites More sharing options...
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