AMERICAN COLLECTIONS
Address:
205 S WHITING ST STE 500
ALEXANDRIA, VA 22304
No phone number available
Account Number:
10xxxxxx
Original Creditor:
FAIR OAKS EMERGENCY PHYSICIANS
Address Identification Number:
00xxxxxxxx
Status: Collection account. $885 past due as of Jul 2008.
Status Details: This account is scheduled to continue on record until Oct 2014.
Date Opened:
04/2008
Reported Since:
07/2008
Date of Status:
07/2008
Last Reported:
07/2008
Type:
Collection
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$885
High Balance:
NA
Recent Balance:
$885 as of 07/2008
Recent Payment:
$0
Account History:
Collection as of Jul 2008
BANK OF AMERICA
Address:
PO BOX 1390
NORFOLK, VA 23501
(800) 441-0130
Account Number:
48xxxxxxx...
Address Identification Number:
0xxxxxxxxx
Status: Transferred,closed. $1,134 written off.
Date Opened:
04/2005
Reported Since:
05/2005
Date of Status:
05/2008
Last Reported:
05/2008
Type:
Revolving
Terms:
NA
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$600
High Balance:
$1,505
Recent Balance:
NA
Recent Payment:
NA
Creditor's Statement: Purchased by another lender.
Account History:
Charge Off as of Apr 2008, Oct 2007, Feb 2007 to Sep 2007, Jan 2007
180 days past due as of Jan 2007, Dec 2006
150 days past due as of Nov 2006
120 days past due as of Oct 2006
90 days past due as of Sep 2006
60 days past due as of Aug 2006
30 days past due as of Jul 2006
CREDIT MANAGEMENT
Address:
4200 INTERNATIONAL PKWY
CARROLLTON, TX 75007
(800) 377-7723
Account Number:
34xxxxxx
Original Creditor:
COMCAST ALEXANDRIA 2ND PLACEME
Address Identification Number:
004xxxxxxx
Status: Collection account. $287 past due as of Sep 2007.
Status Details: This account is scheduled to continue on record until Jan 2013.
Date Opened:
07/2007
Reported Since:
09/2007
Date of Status:
09/2007
Last Reported:
09/2007
Type:
Collection
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$287
High Balance:
NA
Recent Balance:
$287 as of 09/2007
Recent Payment:
$0
Account History:
Collection as of Sep 2007|||If these are not your debts, you can dispute them with the credit bureaus. However, if they are yours, they will stay the balance of the 7 year reporting period, even if you pay them off.
Despite all the claims from "credit repair" companies, there is no special letter or magic way to make your bad credit history disappear.|||Unfortunately for you, you can't get rid of them. As long as they are correct, you are stuck with them until they gradually drop off your report as they grow older.
Anyone who says they can clean your credit report of correct items is trying to rip you off.|||The BANK OF AMERICA account was charged-off and will stay on your credit report for 7 years....even if the account is paid back in full...so in this case it will stay at least through Jan 2014. Paying back charged-off credit cards will not improve/fix your credit rating.
For the AMERICAN COLLECTIONS and COMCAST accounts...You may be able to negotiate the complete removal of non credit card debts like defaulted cell, medical, utility bills etc. from your credit report with a Pay for Delete agreement. This is a written agreement where you get a signed agreement from the debt collector (PRIOR to making any payment) where they offer to remove the negative items from your credit files after an agreed-to amount is paid. They will NOT want to do this....all they want is your money and their commission and they could not care less about your credit rating....Still, you have something they want (money) and that puts you in a position to negotiate on this issue. Example letter:
I am willing to resolve this issue if your firm sends me a written agreement that you will remove all negative notations from my credit report after the agreed-to amount is paid to you. Upon receipt of this letter I will mail you a USPS money order for this amount.
----------------------------------
Again, they are not going to want to do this...if they simply refuse to remove it, then you want to negotiate that they will update your credit report to "Paid in Full.”
Get all terms of any settlement deals IN WRITING FIRST, then you pay. Never accept verbal promises over the phone...they'll promise you anything over the phone to get your money then they'll deny that any agreement was ever made once they have your money. Pay only via USPS money order. Photocopy and keep in your permanent records. Never, ever give them your checking account numbers for payment.|||if they're yours and you earned them .... it's unlikely they'll go away.
MAYBE (long shot) the collection agencies will remove the ones they bought IF you pay in full, but only if you bargain in advance [and in writing] that the deal is they withdraw the adverse credit information in exchange for full payment. [they might do this because they paid less than the full amount for the debt and thus you're offering them a nice profit.]
as for the Bk of America credit card -- my guess is there's no chance at all. they're doing their own collection, so the reasoning applied above for the collection agencies won't work.
***
if they aren't yours but were made in your name using your SSN, etc. then you begin by filing a police report for identity theft. After you get a copy of that report back [it takes about 2 weeks], then you contact the creditors and dispute the charges, with the police report as your backup.
btw, probably won't work if the statements were sent to your address unless there's some special circumstance []like someone else intercepted the mail because it was delivered while you were at work or school].
the police do investigate such ID theft reports and will look into the chance that the report is false [as means to dodge repaying what you owe]. Filing a false police report is a crime and gets referred to the DA for action.
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