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Best Credit fourm around by far!! :smile:

This is my first try so be gentle. ;)

Not sure how to handel Elite/WASHMUTUAL/PROVIDIANPO

I know the last payment date for OC is wrong .

The Wrong Date of Last Payment:04/2005

Real date of last was: 04/2003

Just got letter from Elite Post marked 7/17/07

Say's I now owe:$894.64 For Providan account.

I was going to do the DV Letter to Elite And dispute Last pay date with CRA's.

Right thing to do?


Elite has not showed up on credit reports.


DALLAS, TX 75266-0509

Account Number: Current Status: CHARGE-OFF

Account Owner: Individual Account. High Credit: $607

Type of Account : Revolving Credit Limit: $500

Term Duration: Terms Frequency:

Date Opened: 11/2002 Balance: $0

Date Reported: 05/2005 Amount Past Due: $0

Date of Last Payment: 04/2005 Actual Payment Amount: $0

Scheduled Payment Amount: $0 Date of Last Activity: n/a

Date Major Delinquency First Reported: 01/2004 Months Reviewed: n/a

Creditor Classification: Activity Description: Transfer/Sold

Charge Off Amount: $0 Deferred Payment Start Date:

Balloon Payment Amount: $0 Balloon Payment Date:

Date Closed: Type of Loan: Credit Card


81-Month Payment HistoryYear Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2005 120 120 120 120

2004 120 120 120 120 120 120 120 120 120 120 120 120

2003 * 30 60 * * * * 30 60 90 120 120


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