reporting-twice » Mortgage and Insurance

Hi all, I am in the process of rebuilding my credit as I stated in previous post. I sent out 10 letters to CA’s CMRR, out of the 10, I have received all but 1 green card; Ok the letters that I sent to most were DV letters. For a few others I sent out letters advising the CA’s to delete tradeline(s) off of my CR becasue they have deleted them off of one of the other CRA’s files; In regards to the DV letters, I only received 1 response. The CA sent a copy of a “Customer Ledger” which breaks down the the amount that I owe (yes the debt is mine); They also provided me with what they call a “Customer Maintenance” form. This form supposedly shows the work order with the service address (my old address). They also provided the OC (Cox) and the acct number. The CA is reporting twice on my CR, one for the service ($388) and the other for the equipment ($683). When I sent the DV I did not combine the information in one letter, I sent 2 seperate letters however in their response, they bundled all the info. My question is, what can I do about this issue? My goal is to get it removed w/ out paying it The CA did not provide a signed agreement as requested neither did the CA provide proof that they are licensed to collect in my state. What should my next move be?

November 17, 2010
Posted by admin at 10:00 pm
No Responses
Rebuilding Credit
customer-ledger, equipment, letters, only-received, process, provide-proof, reporting-twice, response, service-address, shows-the-work, the-equipment, their-response, work

hello myfico! I checked my experian report today and i noticed that 2 of my student loans from sallie mae are reporting twice, the first 2 are listed as sallie mae and the other 2 are listed as “us dept of ed/ sallie mae” is this something i should be worried about?

will this fix up soon by it self or should i do something?

thanks in advance

November 13, 2010
Posted by admin at 4:52 pm
No Responses
Student Loans
experian, experian-report, from-sallie, listed-as-sallie, reporting-twice, sallie-mae, self-or-should, student, Student Loans, the-first

Okay, here’s the deal, I had 4 seperate student loans, which are reporting to all 3 credit bureaus.Â Transunion and Experian are both reporting accurately but Equifax is reporting it twice.Â Â You’ll see the account names begin with AES and Aes/Pheaa.Â For Transunion, they only report as account name AES.

For example, accounts ending with 0002, both have the same date opened and both are zero balance.Â If I click Details, both report the same exact information.Â I wouldn’t mind so much that these accounts are being reporting twice if I didn’t miss any payments but unfortunately I did when I was laid off and didn’t know I could defer payments and I’m trying to get some of these lates of my CR.Â

I wrote a dispute letter to Equifax and finally heard back a reply today.Â Their response, “Student loans are not considered duplicate accounts.Â They are reported according to disbursement of funds under the same or similiar account numbers, usually the SSN.”

What do you think?Â Thanks.

Mortgage and Insurance

Debt Validation Questions

student loans reporting twice..

AES/Pheaa reporting duplicates

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