Paid off defaulted Perkins loan - credit report wrong

Hi Everyone, Long stort short I had a loan that I believe I paid off 12 years ago come back on my credit report as defaulted. It was for $2000 and I paid it off again in May. My credit report was not updated so I desputed the listing and the dispute came back today as the following listing: U S DEPT OF ED/GSL/ATL Account Number1221XXXXAccount TypeInstallment LoanTerms36 MonthsDate Opened12/31/0000Account StatusClosedPayment StatusPaidPayment Status DetailsPaid, was a collection account, insurance claim or government claim or was terminated for defaultStatus Updated07/01/2015
Payment History:
2015
JUL
C
Account History:
Collection as of Jul 2015 So now it is being reported as a collection as of July 2015, when it should now read OK right? By paying this off my score droped from 702 to 652 since it shows as a late collection this month. This loan went in to default in 2002, paid in full in May 2015. Shouldnt it show when it went to collection then show when it was paid? I really would appreciate the help, this has been a nightmare for me as I have called and written the ES Dept of Ed and the omsbudsman before despuiting and got no help. So I disputed and got dinged by 50 pts for paying off the loan! What should I do next?? Thanks, Im bummed out since this is the only negative i have and it just got worse.

This is how it was reported before: U S DEPT OF ED/GSL/ATL Account Number1221XXXXAccount TypeInstallment LoanTerms36 MonthsDate Opened12/31/0000Account StatusClosedPayment StatusLatePayment Status DetailsSeriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Payment History It has two fail to pay entries in June 12 and 13

Similar Messages

Paid off defaulted student loan - credit report wrong

Hi Everyone, I posted this in the studen loan section but didnt get a response so trying here - Long stort short I had a studnet loan (perkins) that I believe I paid off 12 years ago come back on my credit report as defaulted. It was for $2000 and I paid it off again in May. My credit report was not updated so I desputed the listing and the dispute came back today as the following listing: U S DEPT OF ED/GSL/ATL Account Number1221XXXXAccount TypeInstallment LoanTerms36 MonthsDate Opened12/31/0000Account StatusClosedPayment StatusPaidPayment Status DetailsPaid, was a collection account, insurance claim or government claim or was terminated for defaultStatus Updated07/01/2015
Payment History:
2015
JUL
C
Account History:
Collection as of Jul 2015 This is how it was reported before: U S DEPT OF ED/GSL/ATL Account Number1221XXXXAccount TypeInstallment LoanTerms36 MonthsDate Opened12/31/0000Account StatusClosedPayment StatusLatePayment Status DetailsSeriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Payment History It has C entries in June '12 and '13 (like what was just added to my new report). So now it is being reported as a collection as of July 2015, when it should now read OK right? By paying this off my score droped from 702 to 652 since it shows as a late collection this month. This loan went in to default in 2002, paid in full in May 2015. Shouldnt it show when it went to collection then show when it was paid? I really would appreciate the help, this has been a nightmare for me as I have called and written the ES Dept of Ed and the omsbudsman before despuiting and got no help. So I disputed and got dinged by 50 pts for paying off the loan! What should I do next?? Thanks, Im bummed out since this is the only negative i have and it just got worse. Advise please!?! Thanks!

Hi OP, I removed the posting in SLs. A topic should only be posted in one forum please refrain from this in the future. I thank you for your understanding. If you think you might get a response in a better forum you can PM any mod and ask that it me looked into for a possible move or use the report inappropriate content line under topic options to notify a mod.

Paid School loans off but not reporting as paid off

Ok so here is the story, back in November of 2009 I received a large settlement so one of first things I did was payed my school loans off directly to Sallie Mae. I made sure that I paid them all off before hanging up with the person on the phone and she assured me that we got them all. Well now they took $2008 our of our tax refund for my school loans and I have 4 Sallie Mae student loans on my credit report that are reporting as 24 missed payments and 2 collections for student loans showing no payment. I tried to sign in to Sallie Mae to look over my account and was directed over to Navient. I looked at my statement and they are showing that just under $3000 were paid. I then requested my bank statement that showed the transaction from them taking out the payments in November of 2009. The bank statement had two charges on it one showing over $7000 and one showing nearly $3000. I disputed all my student loans on my credit report and are waiting for them to tell me what they decided. In my dispute I sent my Navient showing they got my payment and then also sent my bank statement showing the two payment for over $9000 to Sallie Mae. Has anyone had to do dispute payments on school loans and what was the out come?

What type of loans are these? If they are now held by Navient, it's likely that they were federal, which is good because you can use the National Student Loan Data System to see a complete list of all federal loans you borrowed and who currently services them. Is it possible that only some of your loans were paid off with the payments you made in 2009? Most people graduate with many different loan accounts, sometimes spread over multiple servicers, so it can be hard to keep track of them. You need to try to sort this out on your end as well. Get together all the documentation you have regarding how much you borrowed, how much you owed in 2009 when the payment was made, and what the payment you made should have covered. Unfortunately, this is not something you can sort out just by disputing it on your credit report. You want to make sure that your loans are correct with Navient and the NSLDS because federal loans will cause you trouble for the rest of your life if they aren't properly resolved.

How should the new note & mortgage servicer report the loan on the credit report ?

History... Default on a modification to original note and mortgage with same lender/service provider that was made (the modification) after Chapter 7 bankruptcy discharge and never reaffirmed, no further monetary liability to signer on the note. After the modification default the loan is transferred to a new loan servicer. The trade lines continue to report CH7 status from the original loan service provider, closed account, 0 balance, etc. from the original servicer of the loan, nothing from the new servicer. A second modification is attempted via the new loan servicer and denied, After the modification denial, co-signer files CH 7. The signer on the note and mortgage quitclaims the property to co-signer. Then the foreclosure process starts with the new loan servicer and the new loan servicer places a new trade line on the signer's credit report showing foreclosure status, account open, late, account balance shown, etc. During the foreclosure process with the new loan servicer the co-signer files a CH 13, which is approved by the courts and the case is now closed. Regarding the signer of the note and mortgage, (not the co-signer), I thought the new loan servicer would have to report the loan on the credit report just as the prior original servicer did, CH7 status, closed account, 0 balance, etc. I’m trying to make sense of how this is supposed to be reporting from the new loan servicer for the signer of the note and mortgage who quitclaimed the property. Thanks

Localization does not change any of the data or text objects that you created on the report. It will change special fields and tooltips that are a part of the viewer. I believe it might also change the formatting of dates and numbers. Anything more than that is translation not localization.

How do you know when items will fall off your credit reports?

Can anyone tell me how you know what date items will fall off your credit report? Thanks

Each individual type of adverse information has its own exclusion date. They are all set forth in FCRA 605(a). DOFD applies only to a collection or charge-off, which have an exclusion date of no later than 7 years plus 180 days from the DOFD.Monthly account delinquencies are excluded no later than 7 years from their individual dates of occurence.BKs are exluded at 7 or 10 years, depending upon their type.Tax liens become excluded no later than 7 years from date paid.Judgments become excluded on the later of 7 years from date entered, or until the expiration of the statute of limitations on enforceability of the judgment. The credit report exclusion periods are imposed on the CRAs, and set forth the date after which they can no longer include that adverse item in credit reportes they issue.The CRAs are thus required to monitor the relevant date for each type of adverse item. The consumer should no have to request exclusion or remind the CRA of the exclusion date, but it is possible that they could miss a date, so the consumer should monitor.

PAID OFF CREDIT CARDS!! YAAY /ADVICE NEEDED

Just paid off credit cards today Navy Federal $881.57 (over limit)Navy Federal $686.92 (over limit)Navy Federal $873.41 (over limit and one 30 day late)Kay Jewelry $721.00 (one 30 day late)Open Sky Visa $162.00 (this account was charged off) Current Collections> How should I handle the remaining debt, any adviceCenterpoint utility bill for $149.00 dated 10/2006,Public Storage for $58.00 dated 01/2015 ~ Going to make a Payment today.Transtar Federal Credit Union dated $336.00 01/2010 (this was a secured account that was charged-off)ARS $1231.00 dated 05/2014 ~ This was fraud-someone used my insurance for an ambulance ride and ER visit...Obtained Police ReportCommonwealth (Utility Bill) $932.00 ~ Sent DV Letter (No Response with 30 days...I live in Texas)Conserve (University/School $867.00 06/01/2011 ~ Should I make arrangements? Will this change the date of the debt if I do so?Okinus (Furniture) $616.00 12/2009 (Reported only on Equifax)The Best Service (Bank Overdraft) $247.00 ~ Sent DV LetterMedical $494.00 07/2013 ~ Sent DV LetterMedical $215.00 09/2012 ~ Sent DV LetterCenturion $310.00 10/2014 ~ Sent DV Letter Current Scores as of today:Equifax 529Transunion 559Experian 542

creditstalker wrote:
Just paid off credit cards today Navy Federal $881.57 (over limit)Navy Federal $686.92 (over limit)Navy Federal $873.41 (over limit and one 30 day late)Kay Jewelry $721.00 (one 30 day late)Open Sky Visa $162.00 (this account was charged off) Current Collections> How should I handle the remaining debt, any adviceCenterpoint utility bill for $149.00 dated 10/2006, This would appear to be too old to report - verify the DoFD Public Storage for $58.00 dated 01/2015 ~ Going to make a Payment today. PFD? Transtar Federal Credit Union dated $336.00 01/2010 (this was a secured account that was charged-off) Revolving? if so it hurts your UTI%.... ARS $1231.00 dated 05/2014 ~ This was fraud-someone used my insurance for an ambulance ride and ER visit...Obtained Police Report Read FCRA 605B so you fully understand what docs to supply, as well as the CRA's obligation to exclude within 4 days or explain why they are not doing so. Commonwealth (Utility Bill) $932.00 ~ Sent DV Letter (No Response with 30 days...I live in Texas) Did you SPECIFICALLY reference the relevant Texas Financial Code, and list the individual requirements palced on the collector? Cause otherwise they are going to assume the DV is under FDCPA... Conserve (University/School $867.00 06/01/2011 ~ Should I make arrangements? Will this change the date of the debt if I do so? No, it will not change the date. Okinus (Furniture) $616.00 12/2009 (Reported only on Equifax) PFD? The Best Service (Bank Overdraft) $247.00 ~ Sent DV Letter See above for TX DVMedical $494.00 07/2013 ~ Sent DV Letter ^^^^Medical $215.00 09/2012 ~ Sent DV Letter ^^^^Centurion $310.00 10/2014 ~ Sent DV Letter ^^^^ Current Scores as of today:Equifax 529Transunion 559Experian 542

Mistakes on my credit report

Now that I have addressed the collection (cough, cough, nothing could be done, they wouldn't do PFD and I can't get a response to the goodwill letters) I see that the bank reported paid off car loans are revolving credit. Do I dispute those items as being classified as the wrong type of account, or does that matter? 1st was opened in November 2010 and closed in Jan 2014 (Both Equifax and Experian and reporting as revolving) 2nd was open Nov 2008 and closed Nov 2013 (only Equifax reporting it wrong)

Oh and when Citibank took over my Best Buy credit card from Capitol One, Equifax shows open with CBNA and no status with Captiol OneTrans Union shows Closed with Capitol One and open with CBNAExperian shows nothing with CBNA and closed with Capitol One... It should all show open with Citibank (CBNA) reporting zero balance... Do I fix any of this or will it drag my score lower?

CA reporting wrong DOFD---UPDATE

I have been trying to figure out why this debt wasn't due to fall off my report until next year when I stopped paying the OC in May 2008, and today I called EX and they told me the DOFD was 6/2009 which is WRONG. She initiated a dispute for me stating that my DOFD should be 6/2008. They are adding an entire year to my debt reporting. My question is, what if the dispute doesn't work? Where do I go from here? The CA is Calvary Portfolio and the OC is Citifinancial for a personal loan I took out in late 2007. Would Citifinancial still have my payment records from 7 years ago? Should I call them? Onto a bit of good news, I got an old collection off my report today when I called! My report from March said a baddie was to fall off 5/2015 but was still on my report, the CRA said it wasn't to fall off till September according to her records, but she removed it today for me

The bible on the procedure that the debt collector must follow in obtaining and reporting the DOFD is set forth in FCRA 623(a)(5). It is a multi-step process that requires the debt collector to obtain and report the DOFD no later than 90 days after reporting their collection.The DOFD occured under the OC account, and thus section 623(a)(5) sets forth steps to obtain that date from the OC. The first step permits them to "obtain" the DOFD from any prior credit reporting that was made by the OC of their determiantion of the DOFD.If the OC previously reported the DOFD, the debt collector can simply assume that date is correct, and report that date without any need to contact the OC. The second step applies when the OC has not placed of record in the consumer's file their determination of the DOFD on their account.In that situation,the debt collector is required to contact the OC and make reasonable atetmpts to obtain the DOFD from them.Howeer, the OC is not obligated to respond to the debt collector. If the debt collector has made reasonable attempts to obtain the DOFD from the OC and were unsucessful, as is apparently the case in the posted scenario,then then they must still report a DOFD, so the FCRA fallback provision is that the debt collector can then make their best guess as to the DOFD, but in no case can they report a DOFD that was later than the date they obtained their collection authority, such as by purchase of the debt.Section 623(a)(5) thus clearly deals with the situation where the OC does not or cannot provide a firm DOFD. It appears that the best info obtainable from the OC is that they charged-off the debt in 12/2009.That, by definition, requires that the DOFD mustt have preceded that date.Thus, the debt collector would be able to legitimately make their best determination provided that their determiation is no laater than either the date of the CO or the date they received their collection authority.

Filing date of judgement is different from date listed on credit report.

So first, let me say that my judgement is due to fall off in April of next year. If it weren't for reading so many success stories and having many of my own (including an early deletion of the last paid collection account on Experian just yesterday) I might be willing to leave well enough alone. The problem is, the paid judgement is the last bad item on my report. I just called the circuit court where my judgement was filed because the dates seemed off. I have copies of the money orders that I sent to pay the judgement and all of them were AFTER the judgement file date listed on my credit reports. According to the clerk, my judgement was actually filed on January 12, 2009 not April 16, 2009. My question is, aren't civil judgements supposed to fall of 7 years from the filing date or is this the case of the 7 years 180 days I've heard about? Did my payments somehow reage the judgement? If the date is indeed wrong, what is my next course of action? If the judgement rightfully is due to fall of January of 2016 I am within the 6 month range for requesting good will early deletion from at least two of the CRA's, correct? I'd really like to buy a house next year at the best rate possible and my Fico scores are EX 709, TU 719, and EQ 721. I’m hoping this removal will help me get the best rate possible. Thanks in advance for any insights/ opinions given.

Thanks for the docketing info! I'll start the ball rolling on that Monday. Regardless, if I can get the dates changed or no,t it's good to know that I have a possiblity of getting early exclusion on judgements as well. From what I read on this forum you can get a judgement vacated if he was improperly served. You can request the service info from the court where the Judgement was placed. I, like Rebuilding, didn't show up for my court date because I assumed that being in contact and negotaiting payment was all I needed to do and judgement would be thrown out the window. Yeah I know, stupid. Wow, if my judgement falling off netted me 66 points I would keel over. It's my last baddie and the only bad thing on all three reports so my fingers are crossed. Experian is an interesting one. In my case, they seem to hang on to anything and everything. The other CA's dropped most of my stuff a few months early without me even having to request it. The only thing I had left was the judgement and one collection on Experian. I called them mid june to ask for early deletion of the collection( 2 months ealy) because I heard they would remove it 3 months early. They turned me down, but I was very polite and thanked them for their time when they told me to call back April 1. I called them July 1 and after being transfered once my collection was removd. The phone call took less than 5 minutes. It was due to fall of August 16 of this year. The number I called was 1-800-360-7580. Note this account was not my oldest account and it was shown as being in collections so I wasn't in danger of having my Aaofa taking a hit. Oh, one last thing. I don't think it's odd that one report had collections info that another doesn't. They not only differ in how long they keep stuff( my point about Experian having a collection nobody else had) I also think it depends on who the collector reports the info to I'll update if I get my judgement updated and EE. Otherwise Kaylavaand I will have our judgement removal day party April 16th of next year!

Collection Deleted, CA Still Seeks Money, Apartment BACK on Friend's Credit Report

Hi there. Thank you to everyone who posts here regularly! You all have helped me a lot! Let me start by saying, this week my wife and I were preapproved for 250k for our mortgage! We have both been working hard to improve scores. This situation is wrecking my brain. I will keep the story as short as possible... In College (back in 2009-2010) , my best friend and I had an apartment. We resigned to stay another year, but ended up breaking the lease before that year started. Apartment told us then, we would be responsible for rent until it was rented. We never heard from them, until about a year ago when a collection company began calling us both saying we owe $2,000 (collectively). Early this year I disputed with the 3 CRAs as I was never given any time of validation. The account was deleted from all 3 reports. A month later, my friend also disputed... and account was deleted from his reports. The calls, however, NEVER stopped. They continued to call us both. We ignored the calls. My friend is also getting a mortgage with his wife... to his surprise, the account has been back added to his experian report. It is not on his other 2. It currently is not on ANY of mine. His bank says he must take care of the collection. He has since called the company and they told him the following:- pay 1500 and they will report as setted/paid in full- pay the entire 2000 and they will delete So here are the questions... First, I do not want this collection on my credit, as it will for sure lower my scores and put me at risk of no longer qualifying for the loan So... Do I/wea) offer to pay the 1500 (with my friend)? My fear however, is that they report it as a paid collection to the 3 CRAs and the CRAs add it as a collection that has been closed. CAN THIS HAPPEN? DO YOU THINK THIS WOULD HAPPEN? WHAT IMPACT DO YOU THINK THIS WOULD HAVE ON MY SCORES? OR ON MY MORTGAGE? b) Do I offer to pay half of the 2000 to get the account "deleted" even though it is not on any of my reports? c) Do I do nothing since it has not been added to my reports by now? aka... should I take the approach that if is hasnt been added by now, do not fear it being added in the future? PLEASE PLEASE help and offer any insight you may have. I am leaning towards paying the 1500 with my friend but I DO NOT want any trace of this account reappearing on my credit report. What to do???? Thanks in advance for your help

youngc wrote:
Hi there. Thank you to everyone who posts here regularly! You all have helped me a lot! Let me start by saying, this week my wife and I were preapproved for 250k for our mortgage! We have both been working hard to improve scores. This situation is wrecking my brain. I will keep the story as short as possible... In College (back in 2009-2010) , my best friend and I had an apartment. We resigned to stay another year, but ended up breaking the lease before that year started. Apartment told us then, we would be responsible for rent until it was rented. We never heard from them, until about a year ago when a collection company began calling us both saying we owe $2,000 (collectively). Early this year I disputed with the 3 CRAs as I was never given any time of validation. The account was deleted from all 3 reports. A month later, my friend also disputed... and account was deleted from his reports. The calls, however, NEVER stopped. They continued to call us both. We ignored the calls. My friend is also getting a mortgage with his wife... to his surprise, the account has been back added to his experian report. It is not on his other 2. It currently is not on ANY of mine. His bank says he must take care of the collection. He has since called the company and they told him the following:- pay 1500 and they will report as setted/paid in full- pay the entire 2000 and they will delete So here are the questions... First, I do not want this collection on my credit, as it will for sure lower my scores and put me at risk of no longer qualifying for the loan So... Do I/wea) offer to pay the 1500 (with my friend)? My fear however, is that they report it as a paid collection to the 3 CRAs and the CRAs add it as a collection that has been closed. CAN THIS HAPPEN? DO YOU THINK THIS WOULD HAPPEN? WHAT IMPACT DO YOU THINK THIS WOULD HAVE ON MY SCORES? OR ON MY MORTGAGE? b) Do I offer to pay half of the 2000 to get the account "deleted" even though it is not on any of my reports? c) Do I do nothing since it has not been added to my reports by now? aka... should I take the approach that if is hasnt been added by now, do not fear it being added in the future? PLEASE PLEASE help and offer any insight you may have. I am leaning towards paying the 1500 with my friend but I DO NOT want any trace of this account reappearing on my credit report. What to do???? Thanks in advance for your help I would do option 2. You both were responsible for it, so its only fair to split it, and try and keep it off your buddies reports.

Bankruptcy on my Credit report

I originally filed for Chapter 13 in July 2008. 3 Days Before Thanksgiving of that same year my company downsized and I was laidoff. I was not able to make payments and I eventually defaulted. By January 2009, I refiled my case and paid for another year and then I finally withdrew and my case was dismissed. My credit report shows both these cases on my public records which obviously are affecting my credit scores abit. However I see that my credit reports are saying that the first filing will report until 7/2015 and the second until 1/2016. Can this be accurate? I am going to verify by running my three bureau reports next month, but I dont kow when I should run it if at the begining of the month or the end. Can anyone guide me on this?

Marsan915 wrote:
I originally filed for Chapter 13 in July 2008. 3 Days Before Thanksgiving of that same year my company downsized and I was laidoff. I was not able to make payments and I eventually defaulted. By January 2009, I refiled my case and paid for another year and then I finally withdrew and my case was dismissed. My credit report shows both these cases on my public records which obviously are affecting my credit scores abit. However I see that my credit reports are saying that the first filing will report until 7/2015 and the second until 1/2016. Can this be accurate? I am going to verify by running my three bureau reports next month, but I dont kow when I should run it if at the begining of the month or the end. Can anyone guide me on this?mynameainttracy wrote:
I believe a dismissed 13 stays on for 10 years. I could be wrong though.That's correct. Both pubic records report. A discharged 13 stays for 7 years. A dismissal stays for 10 years. There have been reports of TU and EX removing dismissals after 7 years if they were voluntary. A dismissal by the court for not following the plan can lead to 10 years. EQ has been known to leave the dismissal for 10 years no matter the reason. OP could get lucky and have them both gone at 7 years... but I doubt it.

Need HELP disputing credit reports I'm stuck & Nervous

Hi Guys,I'm working on my husband's and my credit. I'm drafting a dispute letter found on the MY Fico site and well, I'm a bit nervous! I'm hoping to get all the collections removed because of errors and the misrepresentation of reporting as Factoring companies and they are in fact Junk Debt Collectors! Debt was purchased after the charge off happened!
I could use a bit of help with what I've found. I'm stuck on how to dispute or if it's worth the time to do so. Thanks for any help. One Collections is with Calvary (has 1 Cap One account) because the DOFD is wrong and the last time they updated on his report was in May 2015. I don't really want to get them to report again! LOL The other Collector PRA has 2 Cap One accounts and doesn't include a DOFD! Also I noticed on the Cap One charge offs they have the last DOFD wrong on all 3! Last Payment made 12/15/2011 on payment history box it's Jan 2012 OK Feb 2012 30days late. 2 other CAP ONE Accounts have the Last Payment on 6/28/2012 and in payment history box it's July 2012 OK Augst 2012 30days late,
Plus for Fingerhut, the Date of last payment is July 12, 2012 and in pay history it has 9/12/12 OK 30 day late October 2012 then Nov and Dec with N/R and Jan 2013 120 days late then FEB N/R then Charge off in March 2013.

Try this:
1.Turn the Playbook
2. On your PC, open the BlackBerry Desktop Software
3. Use the USB cable, connect the BlackBerry to your PC
4. A message will appear saying BlackBerry Desktop Software can't connect to your BlackBerry PlayBook tablet. When this appears, click "Update". ◦ Please note that this notice will disappear when the tablet starts PlayBook completely. If this occurs, turn off the playbook and repeat the above steps
5. Enter your email address or uncheck the "Yes, send me an email when updates are available."

HELP ~ Does disputing credit reports really work?? Nervous!!

Hi Guys,I'm working on my husband's and my credit. I'm drafting a dispute letter found on the MY Fico site and well, I'm a bit nervous! I'm hoping to get all the collections removed because of errors and the misrepresentation of reporting as Factoring companies and they are in fact Junk Debt Collectors! Debt was purchased after the charge off happened!
I could use a bit of help with what I've found. I'm stuck on how to dispute or if it's worth the time to do so. Thanks for any help. One Collections is with Calvary (has 1 Cap One account) because the DOFD is wrong and the last time they updated on his report was in May 2015. I don't really want to get them to report again! LOL The other Collector PRA has 2 Cap One accounts and doesn't include a DOFD! Also I noticed on the Cap One charge offs they have the last DOFD wrong on all 3! Last Payment made 12/15/2011 on payment history box it's Jan 2012 OK Feb 2012 30days late. 2 other CAP ONE Accounts have the Last Payment on 6/28/2012 and in payment history box it's July 2012 OK Augst 2012 30days late,
Plus for Fingerhut, the Date of last payment is July 12, 2012 and in pay history it has 9/12/12 OK 30 day late October 2012 then Nov and Dec with N/R and Jan 2013 120 days late then FEB N/R then Charge off in March 2013.

Hello lookn_glas_shrd,
I think the majority of us have been in the position you're in, and I would like to help you with your situation. The amount of information I am able to see depends on how long it has been since the service was disconnected. I would have to access your account information. I assure you that I am an employee of Verizon Wireless. Please send me a DM (Direct Message) with your name and your mobile number, as well as the zip code of your billing address. If I cannot view the necessary information, I can assist by pointing you in the right direction. Once I see the account, I will be able to gather the necessary data and provide you with 100% information. More importantly, you will be provided with peace of mind in knowing exactly what's going on and how we can resolve this together.
I look forward to hearing from you!
Best regards,
Christina B
VZW Support
Follow us on Twitter @VZWSupport

Erroneous item on credit report from ATT account

I switched from Verizon to ATT. Then I subsequently joined my husband's account. ATT billed us for 1st account and we continually notified ATT. Then ATT had a collections agency contact us. We informed both collection agency and ATT. Our account is fully paid. 3 lines about $200 per month now for 7 months. We are not looking to leave ATT but we have had no luck removing the item from our credit report. The item is erroneous. ATT is literally impossible on this matter. Please do not tell us to call in--we already did dozens of times. Provide one person contact information who will immediately solve this problem.

Once it is sent to collections and on the credit report it is out of ATT hands.
Google how to dispute items on your credit report.
I am assuming your husband did an assumption of liability transferring your number onto his account. That should have been the end of it, so I'm not sure what they did wrong.

Name reporting on credit report

Hi guys I have a predicament and I would like some advice on the issue.As many Mexicans I have a really long name, and like such some problems are expected when reporting it. Everything started last year when I tried to apply for a Capital One secured credit card. The banker completely chopped my name even tho she copied it from my DL and SSC, I found that out after getting a rejection letter with my name misspelled, so that was a bust. In order to help me establish, my wife added me as an AU on one of her cards, (Capital One mind you) and basically spelled my name for the representative on the phone. A month later I tried to apply for the secured card again and was declined, this time I received the rejection letter with my full name. I then decided to just wait and concentrate on school. In January of 2015 I tried to request a free annual credit report and the site could not provide it. I ended up calling TU and requesting one over the phone. The report stated that 2 different names have been given under the same SSN. Like many Mexicans my name consist of Name -> Middle name -> Father's last name and Mother's last name. TU had me under my full name from the second application and the chopped one where the banker basically just used the first letter of my father's last name as my middle initial. I then got student loans that report under my full legal name because of my SSN. I know this cause in May I requested EQ's report and that's how it's listed. Later that month I applied with Discover and the representative told me to basically just pick a name and go with it, as that's what's commonly done in the U.S. She basically said to go by Name -> Middle initial and father's last name or else other credit cards will have a hard time finding my history. My wife ended up having to co-sign for me. What should I do? The student loans are reported under my full Mexican long name, yet Discover is only using the American version with just middle initial and father's last name which is the same my AU card has. Any thought or suggestions? Thanks.

UncleB wrote:
Buddy86 wrote:
Great info, thanks man. My two last names aren't hyphened and yes, I've encountered places that don't have two separate spaces for such last names. I'm intrigued when you mention split credit files. I recently ordered my EQ report and in it I have about 5 different names. The original full lenght as it appears on my SSC and DL, reported by my student loan servicer, my shortened one(the one I go by) with middle initial and paternal last name as reported by Discover and Capital One (AU) and 3 others being a mix of both. Maternal>Middle>Paternal and First>First initial>Paternal. I do get from time to time Capital One offers under such wrong, chopped or mispelled names. I've gotten offers from AmEx and Chase and they are addressed to the names reported by Discover and Capital One. My wife has suggested I send letters to the credit bureaus asking them to erase all other names and just keep the full one and the "American" version. But both my DL and SSC have the whole name, will they still honor that request?Thankfully, split credit files aren't as much of a 'thing' as they were around 10 years ago (when I had all my issues). Back then, even having a lot of accounts or an 'excessive' number of soft inquiries could cause a split file back then. I also used to have issues with my accounts reporting to my father's credit file, and vice-versa, due to our having the same last name, and my father's failure to use 'Sr.'. Thankfully, they seem to rely now more on the social security number, so it's been a while since I've had to deal with this. My own credit reports also have multiple names, including my full name, which I believe was reported many years ago when I had also had student loans. Here's what I currently have: First LastFirst Last JrFirst M. LastFirst M. Last JrFirst Middle Last Jr (also a couple of variations where my middle name is misspelled) So far, this has never caused me any issues. As far as if the credit bureaus will remove the extra ones, I'm honestly not sure, but it never hurts to ask, especially on the ones that aren't even correct (mangled spellings). A lot of people have 'aliases' on their bureau reports as well where the name is a variation, while not really being a truncated version (for example, William, goes by Bill; Margaret, goes by Peggy). Even last names change; women regularly change their last names when they marry (and some marry more than once over the years) so this is not a big deal, either. I have Hispanic relatives, so I'm familiar with the naming convention you're speaking of. The 'general consensus' is that usually you can use whatever you want when it comes to credit, but you really, really need to be consistent. I had a friend that on her driver's license had 'First Middle Maiden Married' - all of her names, so that no matter what it would be a variation of any paperwork she had. Her paycheck from work had 'First Married', while she still had old stock certificates that had 'First Maiden', and it even got more complicated since the name she was know to the world by was not her first name, but her middle. Just like you, having all of her names on her ID and official paperwork make things easier. If a clerk or bank teller ever asked for ID she was fine, because her ID had all the names covered. What you don't want is to have some credit accounts listed as 'First Last1', and other accounts listed as 'First Middle Last2', for example, since it's possible for these to be seen as different people, thus the split credit file issue. Ideally, as long as the SS# is always use this shouldn't be a problem anyway, but better safe than sorry. As an added 'perk', having the name match up should also help with 'insta-approvals'. If it were me, I would refrain from using my full middle name, and simply use the middle initial (or in my case, none at all) since there's usually no place to put a whole middle name on a credit application. As for your last name, consistency is the key. While I have read of folks having issues when a hyphen isn't used, there are plenty of times where it's no problem at all. If it were me, I would continue to use both last names as you currently are - after all, that's you! - and on the rare occasion where it's problematic simply drop down to one or the other, just always to the same one. Hope this helps! Thanks a lot for your advise.

Paid off defaulted Perkins loan - credit report wrong

Similar Messages

Maybe you are looking for