SunKissedBeach
Hello again Christine,
(I feel like I am talking to myself as my name is Christine To!)
I checked my husbands Equifax report and score today and his score has gone up to 647 up from 619.
I checked the report to see what had changed and the Discover card has been deleted.
Its still do dam frustrating wondering how on Earth the score started out at 657 now has had two deletions and the score is only 647.
I am writing the letter to Mr Quinn today.
Also, I am having a heck of a time with Experian, I am having no luck at all getting them to delete information.
Here is a copy of that report, as you can see its a lot more ugly.
Also I disputed with BOA and they have not reported to the CRA's that this is in dispute. I sent them by fax the letter on May 16. What should I do now?
Thanks again for your very helpful advice and help.
CNTY REG
Address:
PO BOX 47
FORT KENT, ME 04743
Identification Number:
XXXXXXXXXXX
Status:
State tax lien released.
Status Details:
This item was verified on 5-2002 and remained unchanged.
Date Filed:
11/21/1995
Claim Amount:
$1,141
Date Resolved:
06/03/1997
Liability Amount:
NA
Responsibility:
Individual
Credit Items
For your protection, the last few digits of your account numbers do not display.
BANK OF AMERICA
Address:
1825 E BUCKEYE RD
PHOENIX, AZ 85034
Account Number:
4356210005003...
Status:
Account charged off. $474 written off.
Status Details: ( this date is wrong, has been re-aged, last payment was in 95)
This account is scheduled to continue on record until 8-2005.
This item was verified on 5-2002 and remained unchanged.
Date Opened:
11/1994
Type:
Revolving
Reported Since:
10/1998
Terms:
NA
Date of Status:
10/1998
Monthly Payment:
$0
Last Reported:
10/1998
Responsibility:
Individual
Credit Limit/Original Amount:
NA
High Balance:
$474
Recent Balance:
$0 as of 10/1998
Recent Payment:
$0
Creditor's statement: Purchased by another lender.
Account History:
Charge Off as of 10-1998
BANK OF AMERICA
Address:
1825 E BUCKEYE RD
PHOENIX, AZ 85034
Account Number:
1356210005003... ( THIS IS THE ACCOUNT THAT DOESN'T EXSIST)
Status:
Account charged off. $488 written off. $63 past due as of 4-1996.
Status Details:
This account is scheduled to continue on record until 4-2003.
This item was verified and updated on 5-2002.
Date Opened:
11/1994
Type:
Revolving
Reported Since:
04/1996
Terms:
NA
Date of Status:
04/1996
Monthly Payment:
$0
Last Reported:
04/1996
Responsibility:
Individual
Credit Limit/Original Amount:
$500
High Balance:
$582
Recent Balance:
$488 as of 04/1996
Recent Payment:
$0
Account History:
Charge Off as of 4-1996
DHS/CHILD SUPPORT/ENF
Address:
11 STATE HOUSE STA
AUGUSTA, ME 04333
Account Number:
200296...
Status:
Paid/Collection account.
Status Details:
This account is scheduled to continue on record until 3-2004.
This item was verified and updated on 5-2002.
Date Opened:
12/1993
Type:
Installment
Reported Since:
03/1997
Terms:
NA
Date of Status:
05/1997
Monthly Payment:
$0
Last Reported:
05/1997
Responsibility:
Individual
Credit Limit/Original Amount:
NA
High Balance:
NA
Recent Balance:
NA
Recent Payment:
NA
Account History:
Collection as of 3-1997
DISCOVER FINANCIAL SERVI
Address:
PO BOX 15316
WILMINGTON, DE 19850
Account Number:
6011001529518...
Status:
Account charged off. (DATE IS WRONG, THIS HAS BEEN DELETED FROM ALL REPORTS BUT THIS ONE, WAS ALSO PAID IN MARCH AND DOESN'T SAY THAT. I WAS SCARED THEY WOULD RE-AGE SO I DID NOT MAKE A BIG DEAL OVER THIS)
Status Details:
This account is scheduled to continue on record until 9-2002.
This item was verified on 5-2002 and remained unchanged.
Date Opened:
04/1991
Type:
Revolving
Reported Since:
11/1996
Terms:
NA
Date of Status:
11/1996
Monthly Payment:
$0
Last Reported:
09/1998
Responsibility:
Individual
Credit Limit/Original Amount:
NA
High Balance:
$5,622
Recent Balance:
$0 as of 09/1998
Recent Payment:
$0
Creditor's statement: Purchased by another lender.
Account History:
Charge Off as of 11-1996 to 9-1998
I C SYSTEM INC
Address:
PO BOX 64378
SAINT PAUL, MN 55164
Account Number:
4197435...
Original Creditor:
G PETER TOUSSAINT M D P A
Status:
NO STATUS.
Date Opened:
04/1997
Type:
Installment
Reported Since:
07/1997
Terms:
NA
Date of Status:
06/1997
Monthly Payment:
$0
Last Reported:
05/2002
Responsibility:
Individual
Credit Limit/Original Amount:
$212
High Balance:
NA
Recent Balance:
$212 as of 05/2002
Recent Payment:
$0
Your statement:
Account in dispute under Fair Credit Billing Act ( HAS BEEN IN DISPUTE TWO TIMES NOW, AND HAS BEEN DELETED FROM ALL REPORTS BUT THIS ONE)
Accounts in Good Standing back to top
CAPITAL ONE BANK
Address:
PO BOX 85064
GLEN ALLEN, VA 23058
Account Number:
4121742140378...
Status:
Open/Never late.
Date Opened:
02/2002
Type:
Revolving
Reported Since:
02/2002
Terms:
NA
Date of Status:
05/2002
Monthly Payment:
$69
Last Reported:
05/2002
Responsibility:
Individual
Credit Limit/Original Amount:
NA
High Balance:
$1,859
Recent Balance:
$1,543 as of 05/2002
Recent Payment:
$0
CITIBANK VISA
Address:
PO BOX 6500
SIOUX FALLS, SD 57117
Account Number:
4128002382912...
Status:
Closed/Never late.
Status Details:
This account is scheduled to continue on record until 4-2003.
Date Opened:
06/1989
Type:
Revolving
Reported Since:
09/1989
Terms:
NA
Date of Status:
04/1996
Monthly Payment:
$0
Last Reported:
04/1996
Responsibility:
Individual
Credit Limit/Original Amount:
NA
High Balance:
NA
Recent Balance:
$0 /paid as of 04/1996
Recent Payment:
$0
Your statement:
Account closed at consumer's request
FASHION BUG/SOANB
Address:
745 CENTER ST
MILFORD, OH 45150
Account Number:
6004660063673...
Status:
Open/Never late.
Date Opened:
04/1994
Type:
Revolving
Reported Since:
04/1994
Terms:
NA
Date of Status:
05/2000
Monthly Payment:
$0
Last Reported:
05/2000
Responsibility:
Joint with CONSTANCE THIBEAULT
Credit Limit/Original Amount:
$300
High Balance:
NA
Recent Balance:
$0 /paid as of 05/2000
Recent Payment:
$0
LA VALLEE FEDERAL C U
Address:
90 MAIN ST
MADAWASKA, ME 04756
Account Number:
21000387536...
Status:
Paid/Never late.
Status Details:
This account is scheduled to continue on record until 6-2004.
Date Opened:
10/1993
Type:
Installment
Reported Since:
11/1993
Terms:
NA
Date of Status:
06/1994
Monthly Payment:
$0
Last Reported:
06/1994
Responsibility:
Individual
Credit Limit/Original Amount:
$500
High Balance:
$463
Recent Balance:
$0 /paid as of 06/1994
Recent Payment:
$0
LA VALLEE FEDERAL C U
Address:
90 MAIN ST
MADAWASKA, ME 04756
Account Number:
210000003.....
Status:
Paid/Never late.
Status Details:
This account is scheduled to continue on record until 4-2009.
Date Opened:
05/1994
Type:
Installment
Reported Since:
05/1994
Terms:
NA
Date of Status:
04/1999
Monthly Payment:
$0
Last Reported:
04/1999
Responsibility:
Individual
Credit Limit/Original Amount:
$12,500
High Balance:
NA
Recent Balance:
NA
Recent Payment:
NA
LA VALLEE FEDERAL C U
Address:
90 MAIN ST
MADAWASKA, ME 04756
Account Number:
21000000387...
Status:
Paid/Never late.
Status Details:
This account is scheduled to continue on record until 9-2005.
Date Opened:
09/1994
Type:
Installment
Reported Since:
10/1994
Terms:
NA
Date of Status:
09/1995
Monthly Payment:
$0
Last Reported:
09/1995
Responsibility:
Individual
Credit Limit/Original Amount:
$800
High Balance:
NA
Recent Balance:
NA
Recent Payment:
NA
Requests for Your Credit History back to top
Requests Viewed By Others
We make your credit history available to your current and prospective creditors and employers as allowed by law. Personal data about you may be made available to companies whose products and services may interest you.
The section below lists all who have requested in the recent past to review your credit history as a result of actions involving you, such as the completion of a credit application or the transfer of an account to a collection agency, application for insurance, mortgage or loan application, etc. Creditors may view these requests when evaluating your creditworthiness.
CAPITAL ONE FSB
Address:
PO BOX 26625
RICHMOND VA 23261
Date of Request:
02/07/2002
Comments:
Permissible purpose. This inquiry is scheduled to continue on record until 3-2004.
(I feel like I am talking to myself as my name is Christine To!)
I checked my husbands Equifax report and score today and his score has gone up to 647 up from 619.
I checked the report to see what had changed and the Discover card has been deleted.
Its still do dam frustrating wondering how on Earth the score started out at 657 now has had two deletions and the score is only 647.
I am writing the letter to Mr Quinn today.
Also, I am having a heck of a time with Experian, I am having no luck at all getting them to delete information.
Here is a copy of that report, as you can see its a lot more ugly.
Also I disputed with BOA and they have not reported to the CRA's that this is in dispute. I sent them by fax the letter on May 16. What should I do now?
Thanks again for your very helpful advice and help.
CNTY REG
Address:
PO BOX 47
FORT KENT, ME 04743
Identification Number:
XXXXXXXXXXX
Status:
State tax lien released.
Status Details:
This item was verified on 5-2002 and remained unchanged.
Date Filed:
11/21/1995
Claim Amount:
$1,141
Date Resolved:
06/03/1997
Liability Amount:
NA
Responsibility:
Individual
Credit Items
For your protection, the last few digits of your account numbers do not display.
BANK OF AMERICA
Address:
1825 E BUCKEYE RD
PHOENIX, AZ 85034
Account Number:
4356210005003...
Status:
Account charged off. $474 written off.
Status Details: ( this date is wrong, has been re-aged, last payment was in 95)
This account is scheduled to continue on record until 8-2005.
This item was verified on 5-2002 and remained unchanged.
Date Opened:
11/1994
Type:
Revolving
Reported Since:
10/1998
Terms:
NA
Date of Status:
10/1998
Monthly Payment:
$0
Last Reported:
10/1998
Responsibility:
Individual
Credit Limit/Original Amount:
NA
High Balance:
$474
Recent Balance:
$0 as of 10/1998
Recent Payment:
$0
Creditor's statement: Purchased by another lender.
Account History:
Charge Off as of 10-1998
BANK OF AMERICA
Address:
1825 E BUCKEYE RD
PHOENIX, AZ 85034
Account Number:
1356210005003... ( THIS IS THE ACCOUNT THAT DOESN'T EXSIST)
Status:
Account charged off. $488 written off. $63 past due as of 4-1996.
Status Details:
This account is scheduled to continue on record until 4-2003.
This item was verified and updated on 5-2002.
Date Opened:
11/1994
Type:
Revolving
Reported Since:
04/1996
Terms:
NA
Date of Status:
04/1996
Monthly Payment:
$0
Last Reported:
04/1996
Responsibility:
Individual
Credit Limit/Original Amount:
$500
High Balance:
$582
Recent Balance:
$488 as of 04/1996
Recent Payment:
$0
Account History:
Charge Off as of 4-1996
DHS/CHILD SUPPORT/ENF
Address:
11 STATE HOUSE STA
AUGUSTA, ME 04333
Account Number:
200296...
Status:
Paid/Collection account.
Status Details:
This account is scheduled to continue on record until 3-2004.
This item was verified and updated on 5-2002.
Date Opened:
12/1993
Type:
Installment
Reported Since:
03/1997
Terms:
NA
Date of Status:
05/1997
Monthly Payment:
$0
Last Reported:
05/1997
Responsibility:
Individual
Credit Limit/Original Amount:
NA
High Balance:
NA
Recent Balance:
NA
Recent Payment:
NA
Account History:
Collection as of 3-1997
DISCOVER FINANCIAL SERVI
Address:
PO BOX 15316
WILMINGTON, DE 19850
Account Number:
6011001529518...
Status:
Account charged off. (DATE IS WRONG, THIS HAS BEEN DELETED FROM ALL REPORTS BUT THIS ONE, WAS ALSO PAID IN MARCH AND DOESN'T SAY THAT. I WAS SCARED THEY WOULD RE-AGE SO I DID NOT MAKE A BIG DEAL OVER THIS)
Status Details:
This account is scheduled to continue on record until 9-2002.
This item was verified on 5-2002 and remained unchanged.
Date Opened:
04/1991
Type:
Revolving
Reported Since:
11/1996
Terms:
NA
Date of Status:
11/1996
Monthly Payment:
$0
Last Reported:
09/1998
Responsibility:
Individual
Credit Limit/Original Amount:
NA
High Balance:
$5,622
Recent Balance:
$0 as of 09/1998
Recent Payment:
$0
Creditor's statement: Purchased by another lender.
Account History:
Charge Off as of 11-1996 to 9-1998
I C SYSTEM INC
Address:
PO BOX 64378
SAINT PAUL, MN 55164
Account Number:
4197435...
Original Creditor:
G PETER TOUSSAINT M D P A
Status:
NO STATUS.
Date Opened:
04/1997
Type:
Installment
Reported Since:
07/1997
Terms:
NA
Date of Status:
06/1997
Monthly Payment:
$0
Last Reported:
05/2002
Responsibility:
Individual
Credit Limit/Original Amount:
$212
High Balance:
NA
Recent Balance:
$212 as of 05/2002
Recent Payment:
$0
Your statement:
Account in dispute under Fair Credit Billing Act ( HAS BEEN IN DISPUTE TWO TIMES NOW, AND HAS BEEN DELETED FROM ALL REPORTS BUT THIS ONE)
Accounts in Good Standing back to top
CAPITAL ONE BANK
Address:
PO BOX 85064
GLEN ALLEN, VA 23058
Account Number:
4121742140378...
Status:
Open/Never late.
Date Opened:
02/2002
Type:
Revolving
Reported Since:
02/2002
Terms:
NA
Date of Status:
05/2002
Monthly Payment:
$69
Last Reported:
05/2002
Responsibility:
Individual
Credit Limit/Original Amount:
NA
High Balance:
$1,859
Recent Balance:
$1,543 as of 05/2002
Recent Payment:
$0
CITIBANK VISA
Address:
PO BOX 6500
SIOUX FALLS, SD 57117
Account Number:
4128002382912...
Status:
Closed/Never late.
Status Details:
This account is scheduled to continue on record until 4-2003.
Date Opened:
06/1989
Type:
Revolving
Reported Since:
09/1989
Terms:
NA
Date of Status:
04/1996
Monthly Payment:
$0
Last Reported:
04/1996
Responsibility:
Individual
Credit Limit/Original Amount:
NA
High Balance:
NA
Recent Balance:
$0 /paid as of 04/1996
Recent Payment:
$0
Your statement:
Account closed at consumer's request
FASHION BUG/SOANB
Address:
745 CENTER ST
MILFORD, OH 45150
Account Number:
6004660063673...
Status:
Open/Never late.
Date Opened:
04/1994
Type:
Revolving
Reported Since:
04/1994
Terms:
NA
Date of Status:
05/2000
Monthly Payment:
$0
Last Reported:
05/2000
Responsibility:
Joint with CONSTANCE THIBEAULT
Credit Limit/Original Amount:
$300
High Balance:
NA
Recent Balance:
$0 /paid as of 05/2000
Recent Payment:
$0
LA VALLEE FEDERAL C U
Address:
90 MAIN ST
MADAWASKA, ME 04756
Account Number:
21000387536...
Status:
Paid/Never late.
Status Details:
This account is scheduled to continue on record until 6-2004.
Date Opened:
10/1993
Type:
Installment
Reported Since:
11/1993
Terms:
NA
Date of Status:
06/1994
Monthly Payment:
$0
Last Reported:
06/1994
Responsibility:
Individual
Credit Limit/Original Amount:
$500
High Balance:
$463
Recent Balance:
$0 /paid as of 06/1994
Recent Payment:
$0
LA VALLEE FEDERAL C U
Address:
90 MAIN ST
MADAWASKA, ME 04756
Account Number:
210000003.....
Status:
Paid/Never late.
Status Details:
This account is scheduled to continue on record until 4-2009.
Date Opened:
05/1994
Type:
Installment
Reported Since:
05/1994
Terms:
NA
Date of Status:
04/1999
Monthly Payment:
$0
Last Reported:
04/1999
Responsibility:
Individual
Credit Limit/Original Amount:
$12,500
High Balance:
NA
Recent Balance:
NA
Recent Payment:
NA
LA VALLEE FEDERAL C U
Address:
90 MAIN ST
MADAWASKA, ME 04756
Account Number:
21000000387...
Status:
Paid/Never late.
Status Details:
This account is scheduled to continue on record until 9-2005.
Date Opened:
09/1994
Type:
Installment
Reported Since:
10/1994
Terms:
NA
Date of Status:
09/1995
Monthly Payment:
$0
Last Reported:
09/1995
Responsibility:
Individual
Credit Limit/Original Amount:
$800
High Balance:
NA
Recent Balance:
NA
Recent Payment:
NA
Requests for Your Credit History back to top
Requests Viewed By Others
We make your credit history available to your current and prospective creditors and employers as allowed by law. Personal data about you may be made available to companies whose products and services may interest you.
The section below lists all who have requested in the recent past to review your credit history as a result of actions involving you, such as the completion of a credit application or the transfer of an account to a collection agency, application for insurance, mortgage or loan application, etc. Creditors may view these requests when evaluating your creditworthiness.
CAPITAL ONE FSB
Address:
PO BOX 26625
RICHMOND VA 23261
Date of Request:
02/07/2002
Comments:
Permissible purpose. This inquiry is scheduled to continue on record until 3-2004.