Wacky Experian stuff....
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Posted by jond911 (66.140.63.212) on November 21, 2002 at 21:26:59:
Thanks for everyones input with some of my recent "issues"...
Creditnet is also cool...but damn they really get bogged down
in the evening. Here are some strange disputable things that are
showing up on my Experian
report. I also mention a COLLECTION
account for $75 bucks to a hospital that I went ahead and paid
off today. All this is in an effort to secure a mortgage. My current
FICO with Equifax
is 693... I'm just trying to straighten out some old stuff.
It turns out that the first account belongs to my wife. She is
listed as current and I was an authorized
user. I don't recall signing anything on this. She is now
listed as current on her CR's...
Any advice on how to proceed with this would be greatly appreciated! You guys are awesome!
Ok....
Here are the details for the two CC accounts. These are only
listed with CRA
Experian.
WFNNB/Express (Revolving)
Acct # 46XXXXXX
Responsibility Undesignated
Date Open 4/1994
Balance Date 9/2000
Balance Amount $1106
Mon. Payment $33
High Limit $1106
Acc. Status DELINQ 90
Prior Delinq. 9/2000 90 Days late 11/2000, 8/2000
30 Days late 7/2000, 4/2000
Account closed at consumers request Here's the weird part ... I did have a Lerner account several years ago 1989....heres how it looks.... All the information including the account number is the same except for the following items Date open 8/1989
Balance Date 5/96
Balance Amount 0
Mon. Payment 0
High Limit 400
Acc. Status CURR ACT
Account closed at consumers request... So... What do you guys make of this??? Any suggestions on how to proceed???
I also payed of the $75 dollar collection
today, and had a receipt faxed to me. I will also be receiving
payment verification in the mail. Any ideas on how to proceed
on getting the Collection
account removed from the CRA's??
Thanks again!
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