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Re: Question re: CA's


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Posted by KathyD (24.88.105.17) on June 21, 2003 at 14:14:28:

In Reply to: Re: Question re: CA's posted by Monica in Colorado on June 21, 2003 at 13:36:55:

Monica,

It's such a long story with my husband's credit.

AFTER we paid off GULF STATE CREDIT AND CAPITAL MANAGEMENT (who were "collecting" on behalf of "a visa card" - ends up as SHERMAN ACQUISITIONS who were ALSO collecting for CITIBANK) .... we THEN decided to get a darn credit report !!!!

My husband - prior to us getting married and settling down - was on the road 50 wks/year, working - and living in motel rooms all over the US. So it was difficult for him to get his mail etc. (the companies SOMETIMES would forward it to the motels he was staying - IF he was there for 3-4-5 days, then he'd get it - otherwise ....)

At some point, he lost track - apart from 1 credit card that we DO owe - the others are either paid off - or else he had "applied" for them years ago - and after he began receiving bills for a card he NEVER received, he'd call them up and ask them to CLOSE the account !!!

Now ... the CITIBANK account was opened in 02/01/1994 - Past Due was $2480.

We began paying off GULF STATE (no date "opened" - past due $3508) around last year for the CITIBANK card. Last payment was Dec 31, 2002 - Final amount paid $4066.

We later get a call from CAPITAL MANAGEMENT - we pay them for "an old credit card debt" (on the phone they sounded "nice" and "wanted to help - 50c on the dollar blah blah blah) - we thought we were doing great ! paying off ... We paid them $1221 total ... THEN we saw their letter of final payment - they were collecting for SHERMAN ACQ (and the original creditor was CITIBANK !!!).

That was when we decided it was time to pull up a credit report - and were dumbfounded with what was on there !

SHERMAN - date opened = 10/2002 ... past due $3284 / $3224 / $3263 - different balances to each CRA ... Strange thing here - the date we paid off GULF STATE 12/2002 is the date that SHERMAN has as "Charge Off" !!!!

We're in SC.


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