Bad debt/collection vs. paid after charge off

Feb 082011
 

My question is which of these is worse on your report.  First Premier is reporting one way on TU and another on EQ.  At one point they were both paid after charge off, then I began sending GW letters to the president and for some reason it changed on the one report.  Should I fight this or is it insignificant as they say they will not change their reporting after several letters.

Cap1

Dec 252010
 

Hello MyFico, first of all Merry Christmas to everyone.   Hope you guys had a great time.  So, this is my question. 

 

About three months ago I paid my capital one cc off, thank god, and for some reason Im still showing a cc balance on my accounts online.  What is going on?

 

Also is the score based on fcr.com accurate? because I got a 47 point increase about 2 days ago and was wondering if myfico score would be a lil higher?

Thanks everyone!…

AT and T has two inquiries

Nov 182010
 

For some reason AT and T has two inquiries listed on my CR (one day apart)…anything i can do about this….i don’t want it hurting my score

Delayed Charge

May 252010
 

In September of 2008, I made a purchase at a workshop. I took the product home and the company charged my cc three days later. For some reason, the cc company denied the charge but I was never notified. There was more than enough credit on the card to cover the charge. Now, a year and a half later, I received a letter from a collection agency. I contacted my cc company but they do not keep records that long. I have been unemployed for almost a year now and do not have the credit to cover this charge. Do I have any recourse? Shouldn’t they have taken care of this in 2008? Why was it sent to a collection agency if they never contacted me about the denial?

OSLA – Deferrment & Lates?

Mar 312010
 

Well, it has been such a long hard road, and I have gained very little ground. On my school loans I got the 120 lates removed a few months ago, but not the 7 times of 90 days lates (7 accounts). Those happened as a repercussion of getting laid off my job 2 years ago and being homeless and could not pay last summer. Several times I have requested they remove the other lates, to no avail. My last turn down was today by email.

 

I just lost my job yesterday and called today for defferment or forebearance, whatever it is called. Do you think that will remove the lates? For some reason I thought I had read somewhere that it happened to someone on this board.

 

 

2 deletions can they come back?

Mar 162010
 

So over the past 2-3 weeks I have been contacting the bureaus about items on my report now all those items I did owe but for some reason they have been deleted from the bureaus. My concern is will they pop back up because I have seen people on here saying sometimes old things come back. Now when i contacted the CA’s myself they said i would have to pay and they had my acct info but when i disputed it with the CR’s now its gone. Im happy and confused. myfico scorewatch went from a 587 to a 627. Im very happy but at the same time now i have a shorter credit history.

 

Also I have no credit cards open. should I open a secure card?

Another Question about Paid Credit Cards Closed (Thank you Fico boards)

Feb 042010
 

I never even notice this but i have 3 closed credit credits with my credit union. For some reason there showing up as a negative to my credit report.these are the details

 

Closed (Paid) Closed (Paid) Closed (Paid)- Balance: $0   $0 -Type: Credit line secured Credit line secured Credit line secured- Pay Status: Late 30 Days Late 30 Days Late 30 Days

 

 

Closed (Paid) Closed (Paid) Closed (Paid)- Balance: $0   $0 -Type: Credit line secured Credit line secured Credit line secured- Pay Status: Current Current Current

 

Closed Closed (Paid) Closed (Paid)- Balance: $0   $0 -Type: Unsecured loan Unsecured loan Unsecured loan- Pay Status: Current Current Current

 

 

These are three different accounts. Why are these showing negative.. I think i closed them but im not sure… How are these effecting my score and what can i do about them if they are to get rid of them..THANK YOU!