Amerikaner83 Posted July 7, 2007 Report Share Posted July 7, 2007 I sent a GW to target awhile ago - got told hell no. Sent another one asking for reconsideration - same thing.Checked my EX report and this crap shows up as a "potentially negative item":TNB - TARGET Address: PO BOX 673 MINNEAPOLIS, MN 55440 No phone number available Account Number: XXXXXX Status: Paid,Closed/Account charged off. $0 written off. Date Opened: 04/2002 It was paid insettlement back in 2003Type: Revolving Credit Limit: NA Date of Status: 07/2007 Terms:NA High Balance: $295 Reported Since: 06/2007 Monthly Payment: $0 Recent Balance: NA Last Reported Date: 07/2007 Responsibility:Individual Recent Payment: NA Your Statement: NA Creditor's Statement: Account closed at credit grantor's request. It used to say "Settled in full less than full balance, NOTHING ELSE. Account History: Charge Off as of Jun 2007 It was charged off WAY erlier than that...back in 2002. Is this change a result of my GW letters?? It's got MANY innaccuracies and so I'm just thinking I'd send a nice "you're reporting CRAP" letter to EX. I don't think dealing with Ms. Barbie girl Waltz over @ Target would help. What do y'all think? Link to comment Share on other sites More sharing options...
isislc Posted July 8, 2007 Report Share Posted July 8, 2007 I would have it investigated and you might want to watch out that they didn't send the balance that didn't get settled to a CA. Sometimes that does happen and here is the snafu. If they sell off the difference to a CA and they try to collect from you, the IRS also considers that difference as income that needs to be reported in your taxes the next time you file. Isn't that a wonderful case of double dipping? If you have any of the original paperwork? I would say to dispute it with the CRA (Verify) and send them whatever you have as proof of when it was actually charged off. Link to comment Share on other sites More sharing options...
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