Posted on: 20th Mar, 2008 11:31 am
I was looking at a copy of my credit report and am a little confused. It appears two collection agencies are reporting the same account. Both list the original creditor as Providian. I believe this account is past 7 years because the Original Creditor is no longer anywhere on my report.
Here is how the two are listed:
PRESIDIO/CM
status:transferred/closed Date opened:1/2001 reported since: 12/2000 last reported 4/2005 Was listed as 30 days late as of Dec 2003. under your statement: account closed at consumers request Creditors statement: Purchased by another lender. the high balance is $1323. Does not list original creditor.
MIDLAND CREDIT MGMT
OC: Providian date opened: 9/2007...reported since 11/2007..last reported 12/2007 original amount $1323...recent balance $1618
Why isn't providian itself not on here anywhere? This card was actually taken out back in 2000 and I got behind on payments (due to health issues) late 2001 and couldn't get Providian to work with me. Could Presidio actually be Providain the OC? If so why are they listing thirty days as of12/2003? Really confused here. This is the only negatives on my account and have good credit now.
Here is how the two are listed:
PRESIDIO/CM
status:transferred/closed Date opened:1/2001 reported since: 12/2000 last reported 4/2005 Was listed as 30 days late as of Dec 2003. under your statement: account closed at consumers request Creditors statement: Purchased by another lender. the high balance is $1323. Does not list original creditor.
MIDLAND CREDIT MGMT
OC: Providian date opened: 9/2007...reported since 11/2007..last reported 12/2007 original amount $1323...recent balance $1618
Why isn't providian itself not on here anywhere? This card was actually taken out back in 2000 and I got behind on payments (due to health issues) late 2001 and couldn't get Providian to work with me. Could Presidio actually be Providain the OC? If so why are they listing thirty days as of12/2003? Really confused here. This is the only negatives on my account and have good credit now.
Hopefully they will get results. I hear some people encounter nightmares when trying to clear wrongful mistakes put on their accounts. The main thing is that she hasn't made any payments and she has proof of the original date.
TransUnion deleted Midland and I got a corrected CR.
Low and behold Midland calls me today!
I am sending the report from TU and A SOL CD out ASAP, to Midland.
Isn't what they are doing against FDCPA?
Low and behold Midland calls me today!
I am sending the report from TU and A SOL CD out ASAP, to Midland.
Isn't what they are doing against FDCPA?
Welcome back Diana.
Have you informed Midland that TransUnion has deleted and your credit report has been corrected? If not then I feel you should inform Midland about it.
Is Midland harassing you or threatening you? If they are threatening you or doing anything of these sorts then it will be against FDCPA?
BTW have you consulted with a lawyer yet?
Keep us posted :)
Have you informed Midland that TransUnion has deleted and your credit report has been corrected? If not then I feel you should inform Midland about it.
Is Midland harassing you or threatening you? If they are threatening you or doing anything of these sorts then it will be against FDCPA?
BTW have you consulted with a lawyer yet?
Keep us posted :)
I disputed with the big 3 CR.
TU deleted it
other 2 verified it.
Next day Midland calls.
Sent them a SOL/ CD. letter.
Waiting to see what hits the wall next......
TU deleted it
other 2 verified it.
Next day Midland calls.
Sent them a SOL/ CD. letter.
Waiting to see what hits the wall next......
Yes, I sent a copy of TU's letter with my SOL/CD letter to them.
Got my green cards back.
Midland never sent me any valid....on debt.
I have posted on LawGuru and got some good advice.
Will recheck my CR in a week and see what happened if anything.
Have not found a lawyer interested at this time.
Got my green cards back.
Midland never sent me any valid....on debt.
I have posted on LawGuru and got some good advice.
Will recheck my CR in a week and see what happened if anything.
Have not found a lawyer interested at this time.
Hey Diana.
It is good that you have informed Midland. Let's see what happens next and thanks for updating us.
It is good that you have informed Midland. Let's see what happens next and thanks for updating us.
I have a providian card that was opened in 2000, then sold to a collection agency 2005, and this still be on my credit report
Hi tab,
Any negative item will stay in your credit report for 7 years. After 7 years are over, it will get removed from your report.
Any negative item will stay in your credit report for 7 years. After 7 years are over, it will get removed from your report.
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