[rubyruby27]

I have one of my credit reports hard-exp and I have a question

History of your account balances--If your creditor reported your account balances to us, we list them in this section as additional information about your account. Your balance history may also include your CREDIT LIMIT/HIGH BALANCE, or the original loan amount for an installment loan.

Between Apr 2007 and May of 2007 your credit limit/high balance was xxxx

They only list one amount-----SO legally what does / mean

If my credit limit on the card wasn't this amount, is it false and misleading.

Its the amount they claim I owe them. I guess I will have to find a way to sue them to get this off.

Has anyone every gone this route with Cap One to dispute if they failed do a class action suit from reading this report my credit limit is this amount since its the first number there is no slash mark after the amount.

[rubyruby27]

I guess I was typing slower than I was thinking as the last paragraph makes no sense.

My question was does anyone know of a class action suit against cap one for reporting in this fashion. As the way it is reporting looks like the amount they claim I owe is my credit limit

[rubyruby27]

I am going to go over each entry hoping someone will help me with my dispute

Collections

Company 1

date opened-dec 2006

reported since -mar 2007

date of status-mar 2007
last reported-mar 2007

type collections

terms-1 month

monthly payment--NA

Responsibility- Individual

Credit limit or original amount--- xxx

High Balance --NA

Recent Balance xxx as of Mar 2007

Status: Collection account xxx pas due as of Mar 2007

Account History: Collection as of Mar 2007

This account is scheduled to continue on record until Oct 2009

This is for a cell account that I really don't know if it is mine, especially since it has't been on my credit reports before and I don't remember having a cell with the OC

The OC isn't reporting.

Any advise on how to get it removed

[rubyruby27]

Now for the big ones I really need help with- I will sue with the help of an attorney but I need to know how to make sure my ducks are in a row and I want to have the knowledge.

This is for one that on my online reports states it a facorting account but it doesn't say that on my hard copy.

This also the one that I have DV'd 5 times to all the CA/Lawyers they have sent this to. Yes, I plan on suing them but again I need my ducks in a row.

Background info: this account is the one I told the CA to SUE ME. It is SoL. Plus the original amount has been paid these are literally late charges, over limit charges and interest.

Account 2

date opened ---oct 2003

reported since --mar 2004

date of status---apr 2004

last reported --feb 2007

type- collection

terms---1 months

monthly payment---NA

Credit limit or original amount -$X,XXX (this is not the credit limit or original amount--it is the amount they charged off)

Recent balance $XX,XXX as Feb 2007

Status:---Collection account $xx,xxx pas due as of Feb 2007.

Acct history:

Collection as of Feb 2007, Jan 2007, (doesn't mention Nov and Dec 2006) Oct 2006, Sep 2006, Aug 2006, Jun 2006, (July missing) Jun 2006, May 2006, (Mar and April missing) Feb 2006, (Jan missing), Jun 2005, Apr 2005, Jan 2005, Mar 2004.

Does this mean I wasn't in collections on the dates that are missing-or is this minor

This account is scheduled to continued on record until Dec 2009-----This is from the last payment and not from the first 30 days late and never cured.

Legally this account went deliquent Aug of 2000.

Comment: "Account information disputed by consume (Meets requrement of the FCRA)

[rubyruby27]

Also, this is minor to a point but I need help disputing it.

Wachovia I have a line of credit, I was late with a payment April 2005 it is being reported as a negative and says it will go positive in 2012.

I disputed this several months ago and they verified. EX told me that a single late payment makes the account negative.

That can't be true

[rubyruby27]

On an OC- it says Charge off as of sep 2006 and Dec 2004

How can you charge something off 2 x if you never made it current. Never made a payment in Dec 2004 or any time in between.

Date to be removed is 2011-this account went late and never brought current in 200 or 2001 its a small amount but it looks more current than it really is.

[rubyruby27]

Acct 3

Date opened Oct 2002

reported since oct 2002

date of status-Jule 2003

Last reported Jul 2007

Tuype revovling

Terms--NA

Monthly payment -NA

Credit limit or original amount NA--Guess who

High Balance-xxx

Recent balance xxx as of Jul 2007

Status: Account charged off/Past due 180 days. xxx written off. xxx past due as of Jul 2007

Then it gives charge off dates to June 2003 --

This account is scheduled to continue on record until Oct 2009.

I want this off my CR---this is an account I never purchased anything on, long story I disputed it over the phone with both the place of business and the OC-guess who, got no where. I do not owe this period the end.

They do not have my signuature on my slip of paper saying I bought anything at all, because I didn't, it was an error by the business. It was originally 100.00 charge that has grown to 800. I am hoping they sue as its SoL.

[rubyruby27]

Acct 4

This is the one I fought in Court.

I disputed it online a few months ago and the OC deleted the account.

Date opened--Apr 2004

reported since--dec 2002 (how can they report before they bought it)

last reported Jul 2007 Type--Collection

terms -1 months

monthly payment--NA

Crideit limit or original amount xxxx

Hight Balance --NA

Recent Balance xxxxx as of Jul 2007 (the amount the filed the stip for--if this is the amount of the stip why hasn't the amount grown since I haven't paid on it) Does this indicate or show willful, malicious

Sttus: Collection xxxx past due as of July 2007

Account Hisotry: Collection as of last date is Dec 2002 (they didn't own it then)

This account is scheduled to continue on record until Jun 2009 (is this reaging)

CREDITIORS STATEMENT: "PAYING UNDER A PARTIAL PAYMENT AGREEMENT."

Comment: "Account information disputed by consumer (meets requirement of the FCRA)

[rubyruby27]

Acct 5

This is the OC for Acct 2

Date opened--Augl 2000

Reported since ---Aug 2000

Date of status--Sep 2003

Last reported---Sep 2003

Type revolving

Terms--NA

Monthly payments--NA

Responsibility---Ind

Credit limit or original amount 7,000

High Balance 9500 (charge off amount)

Status: Transferred closed/past due 150 days

Account History goes back to may 2001-I beleive this is the date the account was closed. but not sure will have to research it.

SOLD TO:

[rubyruby27]

Acct 6

This is the joint acct that I am not joint on.

Date opened --Jul 2000

Reported Jul 2000

Date of status: Sep 2005

Last reported Dec 2005 (she tried to pay it but got frustated when she realized I stop since I owed more than I had paid and I had paid the org amount borrowed

Type-revolving

Terms--NA

Monthly Payment---NA

Credit limit 6500

High balance 7500

Recent balance 7500 as ofDec 2005-her last payment

Status : Account chared off/past due 150 days 7500 written off $2000 past due as of Dec 2005---how can 2000 be past due if they wrote off the entire amount and then sold it.

First 30 days late is May 2001, I beleive this was late in Jan 2001--billed but recieved wasn't suppose to be billed/cahrged until Jan 2001 so it was late from inception.

Purchased by another lender---doesn't say who

That's it if anyone is willing to help me with any of them to show me how to dispute it in detail so there is no error in what I am writing and no way to mis understand what I am disputing. I would greatly appreicate your assitance.

[Enigma]

Originally Posted by rubyruby27

On an OC- it says Charge off as of sep 2006 and Dec 2004

How can you charge something off 2 x if you never made it current. Never made a payment in Dec 2004 or any time in between.

Date to be removed is 2011-this account went late and never brought current in 200 or 2001 its a small amount but it looks more current than it really is.

You could dispute as: "this account is inaccurately reporting as a charge off as of Sept 2006. Further the creditor is inaccurately reporting the date of first delinquency."

Dispute that with the CRA's.

Write to the creditor: "Pursuant to section 623(a)(5) you are required to accurately report the date of first delinquency to the credit reporting agencies. Please provide me the date of first delinquency.

[rubyruby27]

Thank you I will try that, I plan on re reading towers threads on how to dispute to make sure you don't say its not mine to force them to do a manual dispute.