I am trying to rebuild credit so I pulled my credit report. This I cannot understand. Concerning transunion report. I paid this account off in 1999.
Account Number 30034080122XXXX
Account Type Installment Account
Credit Limit
(High Credit)
$7,242
Minimum Monthly Payment (Terms) $173
54 Monthly
Date Opened September, 1994
Date of Last Activity July, 1999
Date Paid Out Not on Record
Date Closed July, 1999
Loan Type Automobile
Collateral
Description Closed
Last Report on September, 2004
Balance Current status Past Due Amount
$0 60 days past due $0
Recent Payment History
2004 Aug ok/unknown
Jul 60 days late
Jun 30 days late
May 30 days late
Apr ok/unknown
Mar ok
Feb 30 days late
2004 Jan ok/unknown
2003 Dec ok
Seven Year Payment History
30 days late: 3
6/2004
5/2004
2/2004 60 days late: 1
7/2004 90+ days late: 0
I paid this account off long time ago. Experian and Equifax has it right but when I called transunion they said the client called and put that on the report. How can that be?
Next thing:
I had two accounts with mbna that are charge offs that falls off 2007 from my credit report. One I paid off to NCO Financial because I was scared. They never put a notation on my credit report but told me that if I paid they would give me a good credit rating of r1 instead of the r9 that is on there. They never did and boy was I stupid. We had just done a home equity loan so that is why we had the money to pay them. We just borrowed to late to keep them from doing a charge off.
The other mbna account went to some company in oklahoma which I paid part of around $1200, bill was $3500. When I didn't pay all I got turned over to Calvary Portofolio and paid them three payments and quit paying. I told them I had to pay the IRS and they came first and they (Calvary )would just have to wait.
Calvary Portofolio has sold it to Allied data, Allied data Corp. and they sent me a bill a long time ago and I have never responded to them and they don't call or write. They contacted transunion and put a credit check on my credit report saying I was asking credit from them which I was not.
Should I even call Allied because the charge offs and calvary will fall off 2007 july and august, per transunion guy (BILL).
Getting ready for work now so I will check back later after midnight for an answer.
Account Number 30034080122XXXX
Account Type Installment Account
Credit Limit
(High Credit)
$7,242
Minimum Monthly Payment (Terms) $173
54 Monthly
Date Opened September, 1994
Date of Last Activity July, 1999
Date Paid Out Not on Record
Date Closed July, 1999
Loan Type Automobile
Collateral
Description Closed
Last Report on September, 2004
Balance Current status Past Due Amount
$0 60 days past due $0
Recent Payment History
2004 Aug ok/unknown
Jul 60 days late
Jun 30 days late
May 30 days late
Apr ok/unknown
Mar ok
Feb 30 days late
2004 Jan ok/unknown
2003 Dec ok
Seven Year Payment History
30 days late: 3
6/2004
5/2004
2/2004 60 days late: 1
7/2004 90+ days late: 0
I paid this account off long time ago. Experian and Equifax has it right but when I called transunion they said the client called and put that on the report. How can that be?
Next thing:
I had two accounts with mbna that are charge offs that falls off 2007 from my credit report. One I paid off to NCO Financial because I was scared. They never put a notation on my credit report but told me that if I paid they would give me a good credit rating of r1 instead of the r9 that is on there. They never did and boy was I stupid. We had just done a home equity loan so that is why we had the money to pay them. We just borrowed to late to keep them from doing a charge off.
The other mbna account went to some company in oklahoma which I paid part of around $1200, bill was $3500. When I didn't pay all I got turned over to Calvary Portofolio and paid them three payments and quit paying. I told them I had to pay the IRS and they came first and they (Calvary )would just have to wait.
Calvary Portofolio has sold it to Allied data, Allied data Corp. and they sent me a bill a long time ago and I have never responded to them and they don't call or write. They contacted transunion and put a credit check on my credit report saying I was asking credit from them which I was not.
Should I even call Allied because the charge offs and calvary will fall off 2007 july and august, per transunion guy (BILL).
Getting ready for work now so I will check back later after midnight for an answer.
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