Found few things on credit report that need guidance on.

Tips and Deals Forums Consumer Credit Improve credit Found few things on credit report that need guidance on.

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    • #226591
      inibip
      Member

      VERIZON VA

      More about
      this account/dispute

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      ************************************** TU****************************** EX************************* ***********EQ

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      Account No.:*************** XXX*************************** XXX********************************* XXX

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      Condition:********************* Closed (Paid)********************** Closed (Paid)********************** Derogatory

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      Balance:***************************** $0**************************************** $0

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      Type:

      Utility company

      Unknown – credit extension, review, or collection

      Pay Status: *************Collection/Chargeoff********** Collection/Chargeoff********** Collection/Chargeoff

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      Question 1: Why does is show as paid on 2 CRAs and derogatory on EQ? Is it worse on score as derog as apposed to closed paid? What should I do with this one. This is Verizon Landline I believe.

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      ****************
      ******************************************************************** TU***************************EX**************************** EQ

      Creditor
      Name:

      Account No.:

      Original*Creditor:************************************************************************************************************CREDIT ONE BANK**
      Responsibility:********************************************************** *******************************************************Individual

      Condition:************************************************************************************************************************Derogatory

      Original Balance:****************************** ********************************************************************************$195

      Balance:***************************************************************************************************************************** $195

      Date Opened:******************************************************************************************************************* 10/2009*******

      Date Reported:******************************************************************************************************************11/2009

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      Question 2: Why is it that it does not tell me the current creditor name and contact info and only equifax has record of this? Who should I contact. Im afraid if I contact Credit One bank they may report it to all 3 and if I report to Equifax the same may happen. Another odd thing is Im using truecredit for my reports and all other entries in my report have a place to click on to dispute… No tab for dispute on this one though…Advise?

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      CREDITONEBANK**************************************************************************** More about
      ********************************************************************************************** this account|Dispute

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      ************************************* TU*********************************** EX****************************** EQ

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      Account No.: *************************************************************** ****************** *********************************

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      Condition: *************************Derogatory**************************** Derogatory********************* Derogatory

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      Balance: *****************************$704*************************************** $704****************************** $704

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      Type: **********************************Credit Card ***************************CreditCard********************** Credit Card

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      Pay Status: *****************Collection/Chargeoff****************** Collection/Chargeoff******** Collection/Chargeoff

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      Question 3: Why is it another collection agency sent me a letter on this and is trying to collect 195.00 as a settlement on this account but yet CRA have it as CreditOneBank.. The creditor trying to collect is Credismart. They have a website according to the letter but the domain expired… Any ideas on how to approach this one? They know when it has been reported and everything. Advise? Anyone delt with them before?

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      Lastly do Closed Accounts hurt much on your credit score?

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      Thanks in advance.

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