Finance House

I did an online investigating with All 3 major CBA, and the outcome was *verified*.. These negs been on my reports for the last 5 years and I'm trying to delete them off.. What can i do now?? Should I Sent out an validation letter to OC? Send a letter to the major cba? Please help..

Are the accounts yours? Are they erroneous? Are they obsolete (past the 7 year reporting period)? Are they being reported by the OC, or by a CA?

I don't believe it's mines and it's been reporting by the OC and 2 CA for the past 4 years.. Any letters i can send to BOTH OC and CA?

If you are sure they are not yours, since they have verified, you may need to take legal action to actually get them off. If you are pretty sure, but might be mistaken, you may want to be sure the debts have past SOL.

Who specifically is posting the tradeline, the CA or the OC, or both? What information do you currently have on the TLs, just what is on your credit reports, or have the OC or CA provided any additional information?

Do you have enough information to determine whether this is a misidentification, or an identity theft? Do you have the account number, when opened, name and identifying information used to open the account, date of last payment before delinquency, address at which the last paid statement was sent, etc?

Originally posted by ontrack
If you are sure they are not yours, since they have verified, you may need to take legal action to actually get them off. If you are pretty sure, but might be mistaken, you may want to be sure the debts have past SOL.

Who specifically is posting the tradeline, the CA or the OC, or both? What information do you currently have on the TLs, just what is on your credit reports, or have the OC or CA provided any additional information?

I believe it's past the SOL.. But, TL are reporting as Rich's,Macy's,Bankfirst,Anderson Fin Network *Ca*, QVC, Sear's and Palisades collection *CA*.. I sent out 2 DOV letters to the Ca..

Originally posted by ontrack
Do you have enough information to determine whether this is a misidentification, or an identity theft? Do you have the account number, when opened, name and identifying information used to open the account, date of last payment before delinquency, address at which the last paid statement was sent, etc?

Yes, i have all the account numbers and the addresses posted on my file.. But no payments or nothing.. *Update* TU Delete 2 TL.. But everything eles cames back as *verified*

Is this more than one account?

List each separate account (don't incl. full acct number) along with amounts and any dates, grouping original accounts with later purchasers such as CAs.

Are there addresses on your credit report as your current or former addresses that you never lived at?
What connects these accounts to you? Were they opened with your SSN, or with your name but a different address, etc?

Here goes...

Anderson Fin Network *ca*
Address: PO BOX 3097
BLOOMINGTON, IL 61702
Acct# 10098XXXXXXXXXXX
Date open 10/2001
Balance $150.00

BankFirst
Address: 1509 W 41ST ST
SIOUX FALLS, SD 57105
Acct#54247708XXXXXXXXXXX
Date open 1/1998
Balance $300.00

CBUSASEARS
Address: PO BOX 6189
SIOUX FALLS, SD 57117
Account #66103675xxxxxxxxxxxxxx
Date open 03/1999
Balance $500.00

MACYS EAST/FDSB
Address: 9111 DUKE DR
MASON, OH 45040
Account# 4214xxxxxxxxxx
Date open 07/1999
Balance $550.00

MACYS EAST/GECCCC
Address:13141 34TH ST N
CLEARWATER, FL 33762
Account#460065XXXXXXXXXXX
Date Open 11/1998
Balance $338.00

PALISADES COLLECTION LLC *ca*
Address: 210 SYLVAN AVE
ENGLEWOOD, NJ 07632
Account # PAL1attxxxxxxxxxxxxxxxx
Date Open 10/2004
Balance $200.00

QVC NETWORK INC/MBGA
Address: PO BOX 103065
ROSWELL, GA 30076
Account# C13D6xxxxxxxxxx
Open 01/1999
Balance $35.00

RCMY/FDSB
Address:13141 34TH ST N
CLEARWATER, FL 33762
Account# 974xxxxxxxxxxx
Open 06/1999
Balance $689.54

RCMY/FDSB
Address: 13141 34TH ST N
CLEARWATER, FL 33762
Account#974254xxxxxxxxxxx
Open 08/1998
Balance $200.00

I hope this helps..

Are there addresses on your credit report as your current or former addresses that you never lived at?

*Just my old apartment address. But that have been removed off my reports since last year.. But other then that, no new address..*


What connects these accounts to you? Were they opened with your SSN, or with your name but a different address, etc?

*I don't know..*

Can you tell me more about *Procedure request*?

Were all of the above accounts not opened by you?

Are there any accounts on your credit reports that were opened by you?

Do any of the accounts that are not yours show current or recent activity?

When did these accounts first appear on your credit reports? Are they on all reports or just one?

When did all of these accounts show up on your credit report? Did they all show up at about the same time?

*bump*

Sorry I've been offline for a little while.. Now I'm back.. LOL!!

Were all of the above accounts not opened by you? No..

Are there any accounts on your credit reports that were opened by you?

Yes, just only Jcpenney's,Bloomingdales,and American express.. These the only cards I carry.. It's sucks now, because I can't get an increase on my CL or open an Macy's charge card accounts..

Do any of the accounts that are not yours show current or recent activity?

All past due some been sent off to CA..

When did these accounts first appear on your credit reports? I can't remember, sorry..

Are they on all reports or just one? All 3..

If all of the accounts you have listed were not opened by you, file an identity theft report with your local police. Use that to force the OCs to disclose what identifying information was used to open these accounts under your identity. If they don't cooperate, file a complaint with your state AG.

Document any accounts for which you have applied but were turned down. Did you receive an adverse action notice indicating the reason you were declined, and what reports were pulled? If not, request it in writing, and follow up until you get it.

Are any of the OCs or CAs with accounts that were not opened by you trying to collect from you? Have you requested validation from any of them, and have they provided any statements, billing addresses, etc?

The QVC account should have a shipment address. You might focus on this account to show that it was opened fraudulently, since that address is likely not any at which you have lived, and might be in another town or state. It might even be possible to identify who was living there when merchandise was shipped there, but this is not your responsibility.