delighted4

Need Help With These "3" Accounts 2-Collections and 1-Charge off

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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

 

 

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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.

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