I have a few questions...
1) I have an old credit card account on my credit report. It was sold to a collection company and I paid them a negotiated amount to pay them in full. In return they deleted the collection account from my credit report. Only Transunion still shows the collection account... and all three show the original account.
The date opened is 8/01 for the original account... Does that mean that I can start a dispute to get it removed from my credit report?
Also, on Transunion, can I report this as a duplicate account?
2) I have a civil lien on my credit report.... will it fall off in 7 years or will it just stay on until I pay? Also, I have a collection agency trying to collect on this lien showing up on my credit report... can I dispute as a duplicate account on the credit reports where it shows the original and the collection account. And finally.... the collection account pulls my credit report twice a year... can I report that as harassment. They note that they can not locate me. But I have sent and received letters from them regarding the account.... I have sent them a cease collections efforts letter... and this is what they are doing!
Thanks for your time and help.
I am currently about to relocate and am interested in getting a first time home loan and want to clear all these things up prior to getting out there.... The positive thing is that I have 2 active loans with my credit union which I have never been late on... which are both 2 years old... will that help?
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Date closed or date of last activity is all that matters.
I would dispute it as not mine.
Lien will come off if and when you pay in full.
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It is against the fair credit reporting act to pull your credit without signed consent.
I would use this letter to validate the premise behind pulling your credit and contact the local better business bureau about these actions. They should remove the account totally because they never had your signed consent to pull your credit. Totally illegal. You could own them.
Saturday, August 18, 2007
Credit Card account sold to collections company and I paid them negotiated amount
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