Jump to content

NEXTCARD how do I get them removed from my report??


thebird
 Share

Recommended Posts

I had a NEXTCARD back in 2001. I was paying my bills-then they went out of business and my check kept getting returned to me. Then about a year later I rec'd communication from a CA. I responded to the CA with a disputing the debt and their validity to collect-who are they and what is there authorization to collect-which they refused to answer and kept harrassing me.

I call my state enforcement agency and they called the CA and that was the last I heard of it.

I just rec'd my credit report-first one I have even requested and it shows TWO NEXTCARD ACCTs ???? Which I totally do not understand:confused:

One Account shows Charge-Off and the other shows "Pay as Agreed", Acct Closed by Grantor, and under activity shows Paid and Closed.

I know NEXTCARD went under and I have searched this forum and stuff comes up under Merrick Bank-I don't know who they are and they are not on my report.

How can I get this off my report? Has anyone else run into this?

Can/should I sent s dispute letter to CRA with "not mine"

Thanks for any advise/help

Thebird

Link to comment
Share on other sites

mERRICK BOUGHT A LOT OF nEXTCARD STUFF. sO DID SOME OTHER JDBS.

I'D DISPUTE AS YOU SUGGEST

Thanks for your reply-my CR says NEXTCARD/MASTERCARDTRUST with a norcross georgia address-so I can't see where merrick comes into play.

I did notice however that on one of the accounts the Date of First Delinquency (DOFD) is 09/2002. So isn't this beyond the reporting period by law-should I dispute this one account as obsolete as an easy way to get rid of it (although last payment shows 01/2003 which I erroneous-but does this matter?).

Thanks

Link to comment
Share on other sites

Guest
This topic is now closed to further replies.
 Share

×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.