I was closely watching/fixing my CR. I got most stuff all cleared up and lookin good. Except a few things...
One collection is reporting through Experian
The original debt is through Safeway and was from 2000. It was sold to a few different companies but two were showing up (diff companies, same debt) Experian removed one of them but not the other. Youre thinking well, its from 2000 - been 7 years - remove it. Well, for some unknown reason its reporting as Opening date 10/2005 (Im guessing when they bought it) Thats bullshit. This is not from 2005 - its from 2000! They wont take it off. I dont know how to get this off my report!
The others are reporting through Equifax (yea, good luck with these asses)
NCO Financial
Original Creditor I *think* it the lovely BofA but I dont know because I have no idea what this debt was for or anything about it.
Its showing Opening date as 8/2006.
My feeling is this was a collection through BofA that went through my Ch7 and then they sold the debt even tho they legally couldnt because it was discharged! Not to mention the BofA thing was from I believe 2001 MAYBE 2002. I did a google search and found awful things about this NCO Financial.
With the NCO one Im thinking of disputing as not mine at all and if it comes back as proof of being mine (and being bofa) Ill have to get proof from my bk attorney that it went through Ch7? Should I just say its not mine to start with to try to get it completely removed because honestly as of now Im not sure where it came from!
The last one is a car that went through Ch7. Its not showing as discharged in Ch7. I already disputed this and they wouldnt fix it. Argh.
Im not so worried about Experian but I know Equifax is a bunch of shit and its really hard to get them to fix stuff. Like WHY would a file Ch 7 for all the little $100-200 and not the fucking $25,000 car?! Does that even make sense?!
Anyway - anyone that knows anything about disputing... I did a lot of work and got a lot of things removed/fixed but there 3 just wont go away and Im just getting more and more frustrated.


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