Questions on 3in1 report

Posted by Jewell (65.114.153.170) on August 14, 2002 at 18:27:00:

K, I pulled a 3in1 credit report and have some questions about some of the entries. Any advise is greatly appreciated...here we go....

1. Had a capital one card, paid off balance and then closed account cuz I started acquireing too many cards. Does this have to stay on my report or can I get them to remove it since I only had the card a short time?

2. 2nd Capital One acct, reported to all three, but on Experian it shows "once 30 days late" back in 99. the other two do NOT show this, they say paid as agreed, current. What can I do about this since it is the one of 2 deragotory marks I have. I just don't undersand why only one would show that. Uggh

3. Reported a JCpenny card lost/stolen...shows on each credit report 2x's....can I get one removed or both, Why would they do this? I had the card replaced, same acct. (Eventually closed this acct too after paying off balance) so total number of times it's shown on report is 3...2 lost/stolen and one acct closed/paid as agreed. Silly ain't it.

4. Have used ONYX acceptance Corp. for 2 different loans. 1st loan was on a saturn, crashed car, paid off loan and called it done(long story, ins. paid off bal and gave me the rest). Never had a bad mark. Financed Chevy truck recently thru ONYX. the 3in1 report shows the Saturn loan, all good on all 3. But the Chevy loan is only on 2 and the third is showing the Saturn Acct in the same area as the Chevy (Equifax is showing the saturn 2xs and no chevy loan) Could this just be a mix up? How would I get this fixed thru Equifax or Onyx?

5. paid on a 98 collection that i knew was mine before I found this site. Bummer! So the OC reports to TransUnion, collector reports to the other 2, so If anyone pulls up the Trans Union it still shows a balance but says paid - 2 different entries. It also shows Fallon Collections 2 times under the same two reporting agencies. Both say the same thing. Can I or should I send them (colletions) a letter requesting removal or can I send the OC one. I'm confused. HELP ME!!!

Thanks again for all the advice. Jewell

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