I have realized I have only one recent (newer than 5 years) Baddie, and I need a plan. Details: (Shows only on EX and EQ, not on TU)
CA: Security Credit Services LLC, in Oxford MS OC: Citibank NA..-Checking Accoun (sic) Date Opened: Jun 2013 First Reported: Jul 2013 Date of Status: Jul 2013 Type: Collection Recent Balance: $ 307 as of Jun 2014 Status: Collection account. $ 307 past due as of Jun 2014. This account is scheduled to continue on record until Mar 2019 Comment: Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)
CA: Security Credit Services, Oxford MS Type: Open Date Opened: 06/2013 Date Reported: 06/2013 Date Major Delinquency First Reported: 08/2013 Date of First Delinquency: 06/2012 Balance: $ 307 Months Reviewed: 6 Type of Loan: Factoring Company Account (debt buyer) Comment: consumer disputes account, collection account
I already disputed with CRA’s in June 2014 via annualcreditreport (which I later learned was a mistake) because I had never heard of the CA or kept any correspondence with them. I want this off my report. SOL in my state (OR) is 6 years. From their BBB complaint responses, the CA seems to operate in good faith, at least as opposed to other CA BBB responses I’ve read.
What steps make the most sense? I could:
1. Pursue MOV with EQ and EX. I do not have the results of the investigation though, these were misplaced.
2. Contact the CA with a PFD for a) full amount or b) 30% – 50%
3 First write a DV to the CA, then if they are able to document ownership, pursue PFD, and if they are not, request deletion from CRAs.
Can anyone who has had experience in these matters suggest what of the prior have the best chance of getting the item removed entirely?
Thanks in advance.
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