[Angel]

:confused:Should I send DV letters everyone? I don't understand why each CRA has different info...what should I do about it? Who do I contact first..the CA or the CRA? Here's some examples...



HSBC/BSBUY - Revolving Charge Account

Account Number: 16***-2(???) **** 7021****(different acct #s)
Date Open: 08-2007
Balance Date: 01-2009 02-2009 01-2009 (different dates)
Balance Amount: $709 $709
Monthly Payment: $62 $62
High/Limit: $709 $709 $500 (different limits)
Account Status: At least 120 days or more than four payments past due Account transferred to another office 120 days past due
Prior Delinquency: 12-2008 01-2009 12-2008
Past Due Amount: $328 $328





BK OF AMER - Secured Credit Card

Account Number: 29(equifax/transUnion) 74(experian)
Date Open: 06-2007
Balance Date: 02-2009
Balance Amount: $910
Monthly Payment: $56
High/Limit: $500
Account Status: At least 120 days
Prior Delinquency: 01-2009 02-2009
Past Due Amount: $305
My acct # on my statement is more than two digits the number 29 and 74 does not appear anywhere in my acct#




DSNB MACYS - Charge Account

Account Number: **** **** ****
Date Open 09-2005 09-2005 09-2005
Balance Date 02-2009 02-2009 02-2009
Balance Amount $0 $0 $0
Monthly Payment $13
High/Limit $100 $100
Acct Status: Pays account as agreed(equifax) Current account/was delinquent 120 days past due date(experian) Paid or paying as agreed (transunion)
Prior Delinquency: 01-2007 01-2007 01-2007
Past Due Amount: $0
All three report Account closed by credit grantor and experian is the one that reports it as current and past due.




FRIEDMANS - Installment Sales Contract


Account Number: ****
Date Open: 12-2003
Balance Date: 10-2004
Balance Amount: $0
Monthly Payment:
High/Limit: $691
Account Status: Charged off as bad debt
Prior Delinquency:
Past Due Amount: $0
I settled this account in 2007 and have a letter stating that its settled. The same entry appears again in the collection items with a different acct#. What type of letter do I send them..if you don't delete entire account from CR I will take action..lol


And lastly..there's one on there that doesn't list the collector(CA or OC)..I don't know what it is. It's under the collection items section and listed as paid!