3 in 1 credit report has descrepanicies

My fiancee and I recently pulled up his 3-in-1 credit report and noticed discrepancies on all bureau but mostly on the Experian Credit Bureau.
We called all agencies listed on the report and they verified that although it was the same name the accounts had different social numbers and mailing addresses.
When I spoke to a representative of one of the listed agencies, he stated that Experian goes first by name, then address and then social security number.
Is that true?
If so, how is that fair to the millions of people that share the same name?
Also I read on your blog that you should write about 4 accts at a time, well we are dealing with about 11!!!! 11 mistakes from Experian, all already confirmed by the collection agencies, which also stated it wasn't rare of Experian to mix identities up.
Also when you state on your blog to send a copy of the credit report, is it the whole 12 pages or just the part in concern (may sound like a silly question but want to do this right), and the credit report shows each item with each credit bureau right next to each other.
If I send a dispute item to Experian, should I covered the report from TransUnion and Equifax about such item, or doesn't really matter? Thank you so much!!!!!
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no
send just the part that shows descrepancies and circle what is wrong
send them 4 at a time anyway.
you can send 3 sets of 4 if you like. one has to dispute with each bureau seperately as no bureau, ask the other, for information
they are independant of each other

DOLA credit report question

I just received a collection letter on a credit card charge-off that I hadn't seen any activity on for the past 5 years. My question is this: My credit report lists a Status Date of 08/2003, but no activity date. I believe that my last payment on the account was about 12 months earlier, perhaps more, but I have no documentation on it.Although I'd like to get to a point where I can negotiate this old debt, my immediate concern is the legal options of the collection agency, and if the last activity was indeed a year or more before the Status Date, the SOL would be close at hand. Is there a way to get that information from the reporting bureau or original creditor?
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status date is the last time the creditor reported the status of the aforementioned account the date of last activity is a whole nother matter you you can tell i see i real am afraid to advise you on this as it seem you would like to debt to go away after 7 years and not pay it
i guess if i were trying thati might leave it alone the next thing is i might dispute the account as not listed with correct date of last activity
which could possibly stir up some hornets howeveri always assume debts will be sold at some point and a new date may show up
which could be newer and moe troublesome.usually if sold, debt go for .20 or less on the dollar.so if that happened i would try to settle for much less you do not say what the debt is

Duplicate credit reporting

paid off a Wells Fargo credit card in full back in November 2006. It had been referred to Hilco receivables credit agency so I paid them. Hilco reported on my credit as paid in full, but recently (June 08) I noticed that it was reported again by Hilco receivables, but this time it said that the delinquency date of reporting was in February 2007. I don't understand what this is. If I paid it in full in November 2006 why are they reporting a delinquency date of 2/07? So now I have Wells Fargo (original debt) and 2 Hilco reports on my credit. I should have only 1 from Hilco stating that it was paid in full on 11/07 right? I have another bank credit card with 0 balance of a $1,500 limit, a new BMW and a good job that I have been on for 2 years with a major company, yet my score is now 610. lower than it was at the beginning of this year. I want to buy a house that I am looking at but I am concerned about my credit score. I want to call Hilco but will the call be considered an activity where I will be given 7 more years from the activity date?
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Dispute that account with the bureaus.
Say not mine or a illagal duplicate of a past paid account
then
validate the acount in writing by creditfied delivery mail to Hilco. Explain you plan to follow all your rights by law under the FCRA and have disputed this account with the bureaus for the suit which will follow this plainly illegal activity. If this is not resolved within 30 - 35 days file compliant with state attorney general, then go to court with the documented finding from these two letters.

Medical collections, paid off, duplicate accounts, 7 years old, refi my home

I went to the bank 2 weeks ago to refinance my home and add a couple of bedrooms to my home... I was told that I need to get my credit score up to 600 to get the loan... I have disputed a lot that is on my account.. I had 2 account that have been paid off 3 years ago, they are showing up as 5 separate accounts with same banks in 5 different city's... I had 2 medicinal bills I paid off 2 weeks ago how longs will it take for them to come off of my credit report??? They emailed the reporting agencies after I paid them... I received a phone call about 15 min's ago, it was from a collection agencies that they had a old bill, wonted to know if I wonted to work some type of Payment options out so it will not go on my credit record... I asked the girl what was the date of the bill... It was to a local hospital dated December 6, 1999.. Can they still report this to the credit bureau???? thanks for the info

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last question
if the bill was sold for pennies on the dollar to the collection's, they can collect, but not put it on your report or threat to sue.
second question
those should take no longer than 30 days.
some of those duplicate accounts might come off. I would call the original creditor and talk to them about this action. three states, or cities, or accounts or whatever and find out if you can get some of that merged (deleted). Thell them you will which of the duplicates you will dispute so thye don;t have to do any work juts dont respond.
pay down any balances that might be more than 80% or your high credit limit

need to get my credit score up to 600 to refinance my home

I went to the bank 2 weeks ago to refinance my home and add a couple of bedrooms to my home... I was told that I need to get my credit score up to 600 to get the loan... I have disputed a lot that is on my account.. I had 2 account that have been paid off 3 years ago, they are showing up as 5 separate accounts with same banks in 5 different city's... I had 2 medicinal bills I paid off 2 weeks ago how longs will it take for them to come off of my credit report??? They emailed the reporting agencies after I paid them... I received a phone call about 15 min's ago, it was from a collection agencies that they had a old bill, wonted to know if I wonted to work some type of Payment options out so it will not go on my credit record... I asked the girl what was the date of the bill... It was to a local hospital dated December 6, 1999.. Can they still report this to the credit bureau???? thanks for the info
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last question
if the bill was sold for pennies on the dollar to the collections they can collect but not put it on your report or threat to sue.
second question
those should take no longer than 30 days.
some of those duplicate accounts might come off. I would call the original creditor and talk to them about this action. three states or cities or account or whatever and find out if you can get some of that changed. Thell them you will which of the duplicates you will dispute so thye don;t have to do any work juts dont respond.
pay down any balances that might be more than 80% or your high credit limit

Student loan listed 4 times on my credit report

would like some information on student loans. I only pay 1 monthly payment but it is listed under 4 different loans, how do I get that to come off or just show as 1?
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most student loans are renewed time and time again
these renewals stay on your report in most cases for 7 years
if it is the same account number, same rptd date, same date of last activity DOL
THEN
this would be something you would dispute as same account or a duplicate account.
you can always dispute stuff on your credit report that you don't think is right. just don't EXPECT and positive outcome. You might get lucky though.
These accounts should show 0 zero account balance if they were renewed. So if they do not show zero balance, they would be considered in error and should be disputed as such by certified delivery mail.

student loans that were delinquent and each one appears to be listed 3 times on my credit report

Hi, I've read quite a few posts on your blog, not sure how to post one myself? my question is -I have 2 student loans that were delinquent and each one appears to be listed 3 times on my credit report - each one says condition "derogatory" and pay status "120 days late" I am now paying on them and those two accounts are correctly reported as "current" each entry is listed by Iowa Student Loan, so when my report is pulled, it looks as though I'm not paying on 4 of my accounts. I've tried disputing them with no luck, there is a remark on them that says "student loan perm assign to government" I've called the student loan people and they confused me even more. what other options do I have?
I've used some of your advice on other issues with great results! Had a lot of negative information removed by disputing - EVEN A JUDGMENT! Increased credit score by 40 points in 30 days! Thanks
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what did the dispute reply say
did it give the same address and phone number you used to get confused by Iowa student loan.

if so, and it sounds like that's what happened, you should talk to ISL again and again until you get it straight. There has to be different account numbers for these accounts. Many times a loan company will re do the loan to overcome a consumer being late on the loan companies books. They can't just, out of the blue say, you are not late unless you pay up or they redo the the loan.
I would think you could dispute or negotiate to have those, other, showing late now, loans to "say same account', "duplicate account" as the one being paid on.
When you dispute these items someone is verifying them somewhere. But this someone should say these accounts are now combined with another account and should show zero balance.
The accounts will still show you were late once upon a time, but they should not show you are late NOW.
You might use the account numbers to get a letter from ISL, on ISL letterhead, that says these accounts were combined with accountabc which is now being paid in time.

There is no easy answer but. DIG IN. You can do it.

7 years is about to expire on account and now account has been renewed

While in college I purchased a few things on credit and really messed up my credit history. Its been about three years since I completed everything and this is my first year a a decent paying job. My current credit score or Fico score is 579, and I am amazed that it is even that high. My problem today that I was contacted by a third party bill collector about a derogatory account and while I have the money to pay and have no problem paying the bill they are not going to remove it from my credit report. The account(s) one which is 300 dollars expires or reaches the seven year limit next June or 2008 while the other which is $2,200 expires next March. Could you please tell me the best plan of action to take, Iwant to pay, but I don't really want a double jeopardy to take place. Thankyou
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double jeopordy is a credit fact of life
there are some common ways to deal with these

1. contact and negotiate with the original creditor. Explain you feel your Fair credit reporting right are being violated and you want to make amends but not with a third party collection agency who is gonna make this 7 year bill turn into 14
2. use debt validation with the third party collections and explain the same thing as before
3. pay the debt and mark it up to learning experience
4. re open the debt after you pay it off
then after 12 - 24 months
then,
ask for them to remove the bad marks since most creditors only report the last 24 months.

in the end if you pay them it will be good and you will have a 0% balance owed to high credit rating ratio on your credit report and your score will go up after 12 months of new good credit

Collection sold and sold and the 7 years keep getting changed

In 11/2006 I request to all 3 credit bureau's that they have a collection removed. The collection agency first reported the debt in Sept 1999 on all three credit reports. All three removed it because it was past 7yrs. I was aware that the collection agency could have sold the collection account since there 7yrs were over to another agency. So I checked my report in March 07 & June 07 to see if they sold the collection and if the new agency were now reporting debt nothing was there. I received collection letter today from the same 1999 collection agency request the debt be paid in full and amount went from $1300 now almost $2600. I looked at my credits report this same agency have added themselves back on my credit report trying to collect same 1999 debt under the same name, same office address & account number. They didn't sell it to anyone else they simply started reporting it again. Are they able to do this. What actions can I take against this company for reporting debt again after 7yrs?
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click here
make them validate the debt
then follow up

single mom lost income. Credit cards charged off. Same accounts sold over and over

I had a credit score of over 750 three years ago. I am a single mom and I work around the clock.
I had gotton caught up in the credit card circle and my home was hit by Hurricane Katrina and lost all....my credit had gone down due to me not being able to pay the bills...I have many charge offs...of all I finally negotiated with and paid off. So they are showing Charge Off but paid in full.
I had my credit card company sell it to another collector and sometime three to four different companies kept selling it to another...............when I asked for proof of some because I did not remember some..they could not prove it was my debt...only my name and address...do I have to pay them?
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do the debt validation and debt validation follow up
stop the nonsense of repeated same accounts reporting

Dispute, validate, negotiate and pay origianl creditors only. File FTC complaints

The company I told you about that didn't want to scare off after I requested validation. Well, I filed a complaint with the attorney general consumer division in my state and within two weeks every account was wiped clean and the creditor (who was always nasty!) sent me copies of the request with a polite letter signed "Sincerely". Thought you'd get a laugh!
There was only one creditor who actually had files after selling the account (scary), but, they admitted they have no signed contract by me and they are looking for it. If they have nothing signed by me can I still pursue deletion?
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Yes you should.
So lets talk about this folks.
Dispute
Validate
Re Validate
Negotiate and pay origianl creditors ONLY
If it has been sold several times. File a complaint with the FTC

Collection Company suing me for 7000 in 10 days. What do I do?

I got a claim from one of a collection agency.. have 10 days to repsond.. what should I do. They say I will get a judgement against me.

also the original negative was reported and now that company tha tis suing me reported as well. so I have 2 differnet amounts because the claim amount includes fees.

what can I do ? I dont have the money to pay. orgiinal amount due to credit card 4600 all comes up to 7000 now with fees.

any ideas ?
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Make them fill out these debt validation letters and see if they have a case for court.
Get and talk to a lawyer.

Charged off bank debit account, sold debt to third party. Who should I negotiate with?

I have a credit account that was charged off, but the creditor has sold the debt to a third party. and they say they can't help me. Should I still try to negotiate with the original creditor or deal with the third party? Will the third party be able to update my credit reports with "paid as agreed"? thanks,
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Can't help you do what?

A creditor can only update it's records, not another party.
Debt validation helps with second and third parties

I re-opened a charged off bp oil credit card.
After sending them 340 dollars to pay the debt and fees, I also sent bp oil 300 (after talking to them about what I wanted to do) to reopen the past bad account and that I wanted to join the world of reasonable people who have good credit.
After 12 months I asked them to remove the old bad marks.
BP Oil removed everything that was over 2 years old (since revolving credit, credit cards, usually only report the last 24 months and I asked them, begged them) and paid more than I charged each month for 12 months straight.
I have a BP oil card in my pocket right now saying member since 1992, the year they charged me off.
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I want to pay off the bad debt and clean up my credit report. It's a debit card on a checking account I closed in 2000, but they say the checking account is still open and I owe $50 on the checking account. They don't have any records, but they suspect that the $50 charge is what ran up the debit card. Thankfully the debit card had a max of $500. That is what they charged off. But for some reason I have three accounts on my credit report from them that say "charged off". All three with the $500 value. 2 of the accounts are related. The third they can't find any record of. of the 2 accounts that are related, one of them was sold to a 3rd party. This 3rd party has sent collections people to find me.On the account that was sold, the bank says they can't help me and I need to talk to the 3rd party. After I do that I can talk to the banks credit bureau to get the other two accounts cleaned up.
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Dispute the third one they can't find.
Negotiate with the collections or third party to make sure if you pay, the account will not be placed on your credit report or, that they will take it off if I pay in full now.
Even if they have already put this on your report and will not take it off completely if you pay, still pay them so it will show paid off and drop your debt to high credit ratio for that one account.
oh.
and you might as well just forget about, the other one, they said they can't help you with.
in 24 months or less it will not matter much anyway

How can collection agencies on a yearly basis change the date of last activity.

How is it that the collection agencies can, on a yearly basis, change the date of last activity? Is this illegal? The debt is well over 15 years old and yet is it being reported as active.

How can I get them to stop and remove this from my credit report?
If you have any questions, please feel free to contact me directly.
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They sell them to each other.

Be sure to try this Debt Validation letter.

Pay them and be done if you can.

Merged, Fraud, Duplicate re dated accounts.

Question regarding merged, fraud, duplicate, re dated accounts. Are furnishers of information allowed to list a duplicate account? I have one account that was purchased by another company and both companies have listed it on my bureaus. The buyer of the account dated the account when they purchased it and then gave it a new account number. What should I dispute this under? Do you know where in the FCRA this is listed as unlawful? According to one collection agent she stated that they can do this because there are no laws preventing it. Is that true?
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thats is true
but make sure they follow to the letter here
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm
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Okay, that letter scares me it’s so good I would never have thought to ask those questions. It may not get it removed but it will give them a hard time I’m sure. I will use it immediately.

Thank you for all your help.

Merged, Fraud, Duplicate re dated accounts.

Question regarding merged, fraud, duplicate, re dated accounts. Are furnishers of information allowed to list a duplicate account? I have one account that was purchased by another company and both companies have listed it on my bureaus. The buyer of the account dated the account when they purchased it and then gave it a new account number. What should I dispute this under? Do you know where in the FCRA this is listed as unlawful? According to one collection agent she stated that they can do this because there are no laws preventing it. Is that true?
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thats is true
but make sure they follow to the letter here
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm

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Okay, that letter scares me it’s so good I would never have thought to ask those questions. It may not get it removed but it will give them a hard time I’m sure. I will use it immediately.

Thank you for all your help.

Judgments, negotiate, romove from credit report, duplicates

I have not had any credit, positive or negative, since 2005. I have opened a secured credit card account with my credit union and feel confident I am on the right track to get more positive points on my credit report. Will a good history with this secured account increase my credit score? My score is now 640.
Also, I am “cleaning up” my credit report and am having to deal with charge-offs and a credit card judgment . Experian told me I had to either wait till those drop off, some as long as FIVE years or begin making payments. The payments I could afford on those debts would make it so I would be paying them off in NINE years.
I have heard that these debts can be negotiated down to erase the finance charges and late fees. Is this true? If so, does this apply to my account that actually is filed as a judgment with our county, where the county will negotiate?
Also, can debt that has NOT become a judgment be negotiated down? If so, how does one do this if it is a “collections” situation that is no longer with the original creditor?
ALSO, if the debt is negotiated down, are payments considered or is the only option a CASH PAID IN FULL.?
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After 1 year, if they report to a bureau, your score will go up with no other negative information added in the meantime. probably 10-20 points. Keep the balance to less than 80%

Judgements you can forget about. But be sure to remember how bad that was and go on and get more new good credit. If the judgment is also listing on your report by the original creditor, then I would have that marked as paid and included in judement.

Use my dispute form
http://www.oskie.com/credit-dispute.htm

Negotiate debts and start for 35 cents on a dollar.

If they agree to that I am sure it is in full and I would find a way to do that.
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The judgment is for only one credit problem, NOT where it is being reported twice. Can this judgment be satisfied in any other way that the FULL amount being on payment forever? Is there negotiation room with the county? Will making payments “shine” my score any?

My problem with the double negative report is that one company has reported a Transferred, closed/Account charged off, then the $$ written off. Then a NEW company is reporting Collection Amount of the same EXACT $$, to the dollar, thus extending the time on this debt till 2012! When I asked Experian about this, they said to just begin making payments or else this company can sell the debt to someone else, (the same $$ amount) and that will be a THIRD bruise on the report.

Would your dispute form be something I would use in this case to dispute a debt to a collections that is the SAME as the original to the REAL creditor?

Or am I sunk with TWO of the same black marks on the credit report?

It is awful that the EXACT amount, to the dollar, is being reported TWICE. Double jeopardy on my credit report.
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Judgement is law. and that is that. sorry
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm
all i know is use this on the double stuff or pay.
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negotiate, after bankruptcy, Chapter 7, duplicates, duplicate

Hello my name is Elena. First let me say AWESOME SITE! I have yet to come across a site with so much information and real life help...and im on the web alot! I build website and come across many websites, but anyway my reason for emailing is obviously credit related. We have been in a lease-to-purchase program for the last 8 months and we are supposed to be ready to buy the house come the 1 year mark in December of this year, however the process requirements have recently changed which require us to have the 3 open lines of credit [where as when we first signed up we just needed one] and a score of at least 620 [where as when we first signed up we only needed a 580]. Now my score has been climbing at a pretty nice pace since Jan with the following FICO scores: 548, 568, 568, 574, 588, 604, 607, until this month now its 594 [im guessing it has something to do with applying for new credit accounts as instructed to do so by the program people] but my questions are :
- how do i negotiate and "TALK BUSINESS" with creditors/collectors to remove my account from my report prior to paying? Im at a loss for the proper script i should reference, questions I should ask, the method of approach when asking etc.
- would email or fax documentation work as good as snail mail via the usps? and what should i request the documentation from the debt collector read?
- my credit report has duplicate accounts listed for experian in particular and it showing in the overall totals of total accounts and detogatory accounts and balances owed...is this hurting me too? and is so what can i do about the duplicates? would i treat them as a normal dispute?
- my public records are also showing for experian as duplicates showing I have 6 when there should only be a chapter 7 filed and discharged back in 2002, is there anything that can be done about this?
- i had a judgment that was filed in 2000 that was included in my chapter 7, should it still be showing in my report? and again multiple times as duplicates in a row?
- how would i [if i even can] show i have been self employed since 2001 on my report instead of no employer reported? We have also had to recently acquire a car loan this past week and it doesnt even show yet on the credit report so Lord only knows what that is going to do to my account but we are obviously looking to make some drastic [which i know is not ideal in the credit repair world] but some drastic actions to meet the new requirements to purchase this house by the 1 year mark for being in this program. I have recently been approved for a capital one card which after reading your article on that I will be sure to keep it at a zero balance and paying it off immediately after use if it is used at all. The problem started with our credit a few years back my husband was in and out of work and it really hit us hard but now for the last 1.5 yrs we have started another business to put us both as the self employed status and it has been going wonderfully and we are making more money now then the last 5 years of our marriage which allows us to get caught up and not fall behind again, anyhow now that i am rambling THANK YOU VERY MUCH FOR YOUR TIME! It is much appreciated.
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Negotiate
Dispute the duplicates and hope. Use the form above to get one removed
http://www.oskie.com/after-bankruptcy-credit-report-repair-credit-card.htm
Bankruptcy
Judgemtents should only show up once. Dispute duplicates.
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You can't. Employer shows up when you apply for credit and state you have and employer. What you would do is say I work for xyz compnay. I own it. And a potentail lender would then show xyz as being your employer when you applied for credit with them and it will reflect on your report.
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Does the auto lender report to bureas? Some do not. Takes 1 year to get a rated credit line anyway.