delighted4 10 Posted December 8, 2012 Report Share Posted December 8, 2012 The first collection account seems to be listed by a collector as a debt buyer account? It states it is a retail account. I never opened a retail account, so I will dispute with CRA first as not mine. What do you recommend afterwards if not removed? What is the best way to tackle this account? I reside in California. 1) Creditor classification: Retail Date opened: 10/06/2010 Balance amount $9,974 Amount past due $9,974 Date of 1st Delinquency: 11/2009 Date Maj. Del. 1st Rptd: 11/2010 Status- Collection Acct Type of Acct-Open Type of Loan-Debt Buyer Acct Whose Acct-Individual Acct This second account is a collection account for an education loan via a credit union. Please instruct on how to remove this account. 2) Creditor classification: Not mentioned, but it is a credit union Date opened: 04/01/2009 Balance amount: $0 Date of last payment: 12/2009 Date of 1st Delinquency: 09/2009 Date of last activity: blank Date Maj. Del. 1st Rptd: 12/2009 Status- Collection Acct Type of Acct-Installment Type of Loan-Education loan Whose Acct-Individual Acct. This account is a charge off account. Please advise on how to remove. 3) Creditor classification: Not mentioned, but it is a personal loan Date opened: 04/01/2009 Balance amount: $1350 Amount past due:$1350 Date of last payment: 10/2006 Date of 1st Delinquency: 11/2006 Date of last activity: blank Date Maj. Del. 1st Rptd: 12/2008 Status- Charge off Type of Acct-Installment Type of Loan-Note loan Whose Acct-Individual Acct. Thank you in advance Link to post Share on other sites
BV80 2,797 Posted December 8, 2012 Report Share Posted December 8, 2012 If the accounts are being reported accurately, there's not much you can do to get them removed. Even if some information is inaccurate, if they correct it, the entry can remain. 1. If the OC is still reporting this account, see if the dates of first delinquency match. That date determines the 7 year reporting period. 2. Check to make sure the info is correct. 3. This account is due to fall off in a year or so. I'm not sure I'd worry about it unless it's not accurate. If you dispute any of the accounts with the credit reporting agencies, you do need a valid reason for disputing. You might request they verify the date of first delinquency, etc. Link to post Share on other sites
