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HELP! Several people with same ?????


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Posted by Glitter_girl (12.211.14.118) on October 14, 2003 at 12:47:19:

Posted this on another board and a ton of others posted and said they were in same boat yet NO ONE answered our question - can anyone here help us???

Can a charge off or collection account be listed as past due?? DH would have an OK credit history if it weren't for these

First USA (actually Wachovia) reporting 120+ past due - CHARGED OFF $730 past due, Balance $5065 - we actually settled in July and paid half this balance (got it in writing that it was settled in full before we paid).

Fleet past due - CHARGED OFF - $716 past due, Balance $4185 (is with a collector who we have almost paid off)

Credit Union (loan) +120 days past due - past due $85, Balance $252 (PAID OFF in full in 2001!!!!!)

Sherman Acquisitions (UGH!!!!) SERIOUSLY PAST DUE, PAST DUE $1556, Balance $1556.

OK am I the only one seeing something wrong here???? Isn't Sherman TOTALLY crossing the legal line reporting a collection account as past due? The credit union is being handled and should be updated to paid in full and listed as all positive soon.

But how do I tackle the other two and sherman? I've already requested validation from Sherman and will be disputing with CRA on monday, but can they legaly report it past due or is this a FCRA violation???? ANd what do I do with the OC reporting so wrong? CRA dispute or go striaght to the source especially since I have a letter from the First USA attorney saying it was settled in full????


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