The BayHouse Credit Forum discussion: Kermie's Experian report + American Agencies ( Pac Bell) collection

Please note: The links in the report below are NOT working because this is a REAL report.  Since you are not logged in with Experian as Kermie, you'll get errors.

I greatly appreciate Kermie's offer to post her reports so that others can learn how to dispute and deal with collectors.
Knowledge is power and there is nothing like seeing the actual credit report. 

Report Number


Index:

- Summary of Investigation Results
- Details of Investigation Results
- Important Message from Experian

0000000000

Personal Credit Report from Experian for

Kermie

Report Date:January 04, 2002

The following shows the revision(s) made to your file as a result of our investigation. If you still question an item, then you may want to contact the source of the information personally.

Summary of Investigation Results back to top

PARK DANSAN
Account Number: 100644...

Outcome: Remains

GLOBAL PAYMENTS INC
Account Number: 25541...

Outcome: Remains

ORCHARD
Account Number: 2001600...

Outcome: Deleted

FIDELITY INFO CORP
Account Number: 11635...

Outcome: Updated

AMERICAN AGENCIES
Account Number: 2986...

Outcome: Updated

CR BUR S BAY DIST
Account Number: 1024...

Outcome: Updated

CRED PROTECTIONS ASSOC
Account Number: 1102...

Outcome: Remains

At your request, the following organizations will receive the results of your investigation:

SEARS

Pending Items

RJM ACQ LLC
Account Number: 421RJ...

Outcome: Pending

Date: 01/2002

HOUSEHOLD RECOVERY SERVI
Account Number: 4217...

Outcome: Pending

Date: 01/2002

Details of Investigation Results back to top

Index:

-Potentially Negative Items
-Accounts in Good Standing
-Requests for Your Credit History
-Personal Information Records

Potentially Negative Items back to top

Public Records


VAN NUYS MUNICIPL CT

Address: 
14400 ERWIN STREET MALL
VAN NUYS, CA  91401

Identification Number: 
96B10339


Plaintiff: 
HMH ASSOC.


Status:
Civil claim judgment.

Status Details:
This item is scheduled to continue on record until 2-2004.
This item was verified on 1-2002 and remained unchanged.

Date Filed:
02/1997

Claim Amount:
$1,745

Date Resolved:
NA

Liability Amount:
NA

Responsibility:
Individual

 





Credit Items


AMERICAN AGENCIES

Address: 
2158 W 190TH ST
TORRANCE, CA  90504


Account Number:
2986...

Original Creditor:
PB PAC-BELL 31021.....


Status:
Collection account. $869 past due as of 9-2001.


Status Details:
This account is scheduled to continue on record until 12-2003.
This item was verified and updated on 12-2001.



Date Opened:
12/2000

Type:
Installment

Reported Since:
12/1996

Terms:
NA

Date of Status:
12/1996

Monthly Payment:
$0

Last Reported:
09/2001

Responsibility:
Individual


Credit Limit/Original Amount:
$537

High Balance:
NA

Recent Balance:
$869 as of 09/2001

Recent Payment:
$0

Account History:
Collection as of 9-2001, 12-2000, 12-1996




CREDIT BUREAU SOUTH BAY

Address: 
PO BOX 7520
SANTA MONICA, CA  90406


Account Number:
1024.............

Original Creditor:
UNILAB X


Status:
Creditor recently located individual/Collection account. $112 past due as of 8-1997.


Status Details:
This account is scheduled to continue on record until 10-2002.
This item was verified and updated on 12-2001.



Date Opened:
01/1997

Type:
Installment

Reported Since:
08/1997

Terms:
1 Months

Date of Status:
11/2001

Monthly Payment:
$0

Last Reported:
08/1997

Responsibility:
Individual


Credit Limit/Original Amount:
$70

High Balance:
NA

Recent Balance:
$112 as of 08/1997

Recent Payment:
$0

Account History:
Collection as of 8-1997
Creditor recently located individual 07/31/2001 to 10/30/2001




CRED PROTECTIONS ASSOC

Address: 
1355 NOEL RD SUITE 2100
DALLAS, TX  75240


Account Number:
1102........

Original Creditor:
TIME WARNER COMMUNICATIONS


Status:
Collection account. $513 past due as of 4-1997.


Status Details:
This account is scheduled to continue on record until 7-2003.
This item was verified on 1-2002 and remained unchanged.



Date Opened:
10/1996

Type:
Installment

Reported Since:
04/1997

Terms:
NA

Date of Status:
04/1997

Monthly Payment:
$0

Last Reported:
04/1997

Responsibility:
Individual


Credit Limit/Original Amount:
$513

High Balance:
NA

Recent Balance:
$513 as of 04/1997

Recent Payment:
$0

Account History:
Collection as of 4-1997




MERCANTILE SYSTEMS

Address: 
PO BOX 59371
CHICAGO, IL  60659


Account Number:
25........

Status:
Paid/Account charged off. $161 written off.


Status Details:
This account is scheduled to continue on record until 1-2004.
This item was verified on 12-2001 and remained unchanged.



Date Opened:
09/1996

Type:
Installment

Reported Since:
01/1997

Terms:
NA

Date of Status:
01/2001

Monthly Payment:
$0

Last Reported:
01/2001

Responsibility:
Individual


Credit Limit/Original Amount:
$161

High Balance:
NA

Recent Balance:
NA

Recent Payment:
NA

Account History:
Charge Off as of 1-1997




PARK DANSAN

Address: 
113 W 3RD AVE
GASTONIA, NC  28052


Account Number:
10.........

Original Creditor:
MCI COMMUNICATIONS


Status:
Collection account. $73 past due as of 11-2001.


Status Details:
This account is scheduled to continue on record until 7-2007.
This item was verified on 1-2002 and remained unchanged.



Date Opened:
10/2001

Type:
Installment

Reported Since:
07/2000

Terms:
1 Months

Date of Status:
07/2000

Monthly Payment:
$0

Last Reported:
11/2001

Responsibility:
Individual


Credit Limit/Original Amount:
$73

High Balance:
NA

Recent Balance:
$73 as of 11/2001

Recent Payment:
$0

Account History:
Collection as of 11-2001, 7-2000




RJM ACQ LLC

Address: 
245 8TH AVE STE 859
NEW YORK, NY  10011


Account Number:
421RJM794.........

Original Creditor:
ORCHARD BANK VISA / HOUSEHOLD


Status:
Collection account. $1,454 past due as of 12-2001.


Status Details:
This account is scheduled to continue on record until 6-2007.



Date Opened:
01/1998

Type:
Installment

Reported Since:
12/2001

Terms:
NA

Date of Status:
12/2001

Monthly Payment:
$0

Last Reported:
12/2001

Responsibility:
Individual


Credit Limit/Original Amount:
$1,454

High Balance:
NA

Recent Balance:
$1,454 as of 12/2001

Recent Payment:
$0

Creditor's statement: Now paying.


Account History:
Collection as of 12-2001



Accounts in Good Standing back to top

BALLYS/HUNTINGTON BEACH

Address: 
7755 CENTER AVE STE 440
HUNTINGTON BEACH, CA  92647


Account Number:
4426...

Status:
Paid/Never late.


Status Details:
This account is scheduled to continue on record until 12-2009.



Date Opened:
08/1999

Type:
Installment

Reported Since:
09/1999

Terms:
36 Months

Date of Status:
12/1999

Monthly Payment:
$0

Last Reported:
12/1999

Responsibility:
Individual


Credit Limit/Original Amount:
$1,127

High Balance:
NA

Recent Balance:
NA

Recent Payment:
NA



DISCOVER FINANCIAL SERVI

Address: 
PO BOX 15316
WILMINGTON, DE  19850


Account Number:
6011000.......

Status:
Open/Never late.


Date Opened:
10/1994

Type:
Revolving

Reported Since:
12/1999

Terms:
NA

Date of Status:
12/2001

Monthly Payment:
$65

Last Reported:
12/2001

Responsibility:
Authorized user


Credit Limit/Original Amount:
$13,000

High Balance:
$9,566

Recent Balance:
$3,238 as of 12/2001

Recent Payment:
$400

Balance History:
$4,114 11/2001
$43 10/2001
$0 04/2001
$186 03/2001
$386 02/2001
$458 01/2001
$399 10/2000
$0 09/2000
$0 08/2000

Between 10-2000 and 11-2001, your credit limit/high balance was $13,000
Between 8-2000 and 9-2000, your credit limit/high balance was $10,000



HOUSEHOLD RECOVERY SERVI

Address: 
841 SEAHAWK CIR
VIRGINIA BEACH, VA  23452


Account Number:
42179........

Status:
Transferred.


Status Details:
This account is scheduled to continue on record until 10-2011.



Date Opened:
01/1998

Type:
Installment

Reported Since:
10/2001

Terms:
NA

Date of Status:
10/2001

Monthly Payment:
$0

Last Reported:
10/2001

Responsibility:
Individual


Credit Limit/Original Amount:
$1,355

High Balance:
NA

Recent Balance:
NA

Recent Payment:
NA

Creditor's statement: Purchased by another lender.




RNB - TARGET

Address: 
3701 WAYZATA BLVD
MINNEAPOLIS, MN  55416


Account Number:
925........

Status:
Open/Never late.


Date Opened:
11/2001

Type:
Revolving

Reported Since:
12/2001

Terms:
NA

Date of Status:
12/2001

Monthly Payment:
$20

Last Reported:
12/2001

Responsibility:
Individual


Credit Limit/Original Amount:
$115

High Balance:
$115

Recent Balance:
$115 as of 12/2001

Recent Payment:
$0



WELLS FARGO BANK

Address: 
PO BOX 29476
PHOENIX, AZ  85038


Account Number:
5490840090808...

Status:
Open/Never late.


Date Opened:
11/1996

Type:
Revolving

Reported Since:
11/1999

Terms:
NA

Date of Status:
12/2001

Monthly Payment:
$16

Last Reported:
12/2001

Responsibility:
Authorized user


Credit Limit/Original Amount:
$4,400

High Balance:
$4,508

Recent Balance:
$832 as of 12/2001

Recent Payment:
$4,100

Balance History:
$0 11/2001
$3,913 10/2001

Between 10-2001 and 11-2001, your credit limit/high balance was $4,400



WELLS FARGO BANK

Address: 
PO BOX 29476
PHOENIX, AZ  85038


Account Number:
5490840090425...

Status:
Open/Never late.


Date Opened:
11/1996

Type:
Revolving

Reported Since:
12/1998

Terms:
NA

Date of Status:
09/2001

Monthly Payment:
$87

Last Reported:
09/2001

Responsibility:
Authorized user


Credit Limit/Original Amount:
$4,400

High Balance:
$4,508

Recent Balance:
$4,374 as of 09/2001

Recent Payment:
$500

Balance History:
$3,297 08/2001
$4,058 07/2001
$3,613 06/2001
$2,496 05/2001
$2,703 04/2001
$1,415 03/2001
$1,895 02/2001
$2,200 01/2001
$2,826 12/2000
$711 11/2000
$727 10/2000
$1,176 09/2000
$1,513 08/2000
$1,362 07/2000
$511 05/2000
$0 04/2000
$756 03/2000
$980 02/2000
$1,123 01/2000

Between 1-2001 and 8-2001, your credit limit/high balance was $4,400
Between 7-2000 and 12-2000, your credit limit/high balance was $3,500
Between 1-2000 and 5-2000, your credit limit/high balance was $2,600


Requests for Your Credit History back to top

Requests Viewed By Others


CAPITAL ONE

Address:
PO BOX 26625
RICHMOND VA  23261

Date of Request:
12/04/2001

Comments:
Permissible purpose. This inquiry is scheduled to continue on record until 1-2004.



SEARS

Address:
13200 SMITH ROAD
MIDDLEBURG HEIGHTS OH  44130

Date of Request:
11/19/2001

Comments:
Permissible purpose. This inquiry is scheduled to continue on record until 12-2003.



RNB MERVYNS

Address:
3701 WAYZATA BLVD
MINNEAPOLIS MN  55416

Date of Request:
02/28/2000

Comments:
Permissible purpose. This inquiry is scheduled to continue on record until 3-2002.



CITIBANK

Address:
PO BOX 6000
SIOUX FALLS SD  57117

Date of Request:
02/15/2000

Comments:
Permissible purpose. This inquiry is scheduled to continue on record until 3-2002.


Requests Viewed Only By You


FIDELITY INFORMATION COR

Address:
PO BOX 1616
PACIFIC PALISADES CA  90272

Date of Request:
12/18/2001, 02/29/2000, 02/21/2000, 02/16/2000, 12/23/1999



CROSS COUNTRY BANK

Address:
800 DELAWARE AVE
WILMINGTON DE  19801

Date of Request:
09/13/2001, 07/17/2001



GTE TELEPHONE OPERATIONS

Address:
600 HIDDEN RDG
IRVING TX  75038

Date of Request:
06/08/2001



ORCHARD BANKCARD

Address:
9400 SW BVTN HILLSDALE H
BEAVERTON OR  97005

Date of Request:
11/30/2000



SECURITY BANK

Address:
100 N PHILLIPS AVE STE 4
SIOUX FALLS SD  57104

Date of Request:
05/26/2000



EXPERIAN

Address:
PO BOX 2002
ALLEN TX  75013

Date of Request:
03/25/2000, 03/06/2000, 03/06/2000



DIRECT MERCHANT CREDIT C

Address:
PO BOX 26937
SALT LAKE CITY UT  84126

Date of Request:
02/29/2000



CAPITAL ONE BANK

Address:
4851 COX RD
GLEN ALLEN VA  23060

Date of Request:
01/07/2000


Personal Information Records back to top

For your protection, the social security number you used to obtain this report is not displayed.


Names:

(deleted)

(deleted)

(deleted)


Driver's License Number:

(deleted)


Year of birth:

19XX


Employers:

(deleted)


Telephone numbers:

000-000-0000


Address:
(deleted)

Type of Residence: Single family

Geographical Code: 0-000000-00-0000


Address:
(deleted)

Type of Residence: Apartment complex

Geographical Code:

0-000000-00-0000
Address:
(deleted)

Type of Residence: Multifamily

Geographical Code: 0-000000-00-0000


Address:
(deleted)

Type of Residence: Post office box

Geographical Code: 0-000000-00-0000


Address:
(deleted)

Type of Residence: Apartment complex

Geographical Code: 0-613640-37-4480



Notices:

This address is a non-residential address: (deleted)

 

Important Message from Experian back to top

Q: How long does information stay on the credit report?
A: Potentially negative information is removed 7 years from the initial missed payment that led to the delinquency. Missed payments and most public record items remain on the credit report for 7 years, except Chapter 7, 11 and 12 bankruptcies, which remain for 10 years, and unpaid tax liens, which remain for 15 years. A paid tax lien will remain for 7 years.

Q: How long does information stay on the credit report?
A: Experian stores information from credit grantors and public records, including bankruptcies, judgments and liens. Missed payments and most public record items remain on the credit report for 7 years, with the exception of Chapter 7, 11 and 12 bankruptcies, which remain for 10 years, and unpaid tax liens, which remain for 15 years. A paid tax lien will remain for 7 years. Positive information may remain on the report indefinitely, although generally is displayed for seven years. The credit report also lists all inquiries. Inquiries remain on the credit report for 2 years.

Q: What does a "paid collection account" appearing on the credit report mean?
A: A "paid collection account" means that the account is paid, but the credit grantor had sent the account to an internal collection department, had hired an attorney or had contracted with a collection agency to collect the payments. This information will remain on the credit report for 7 years from the initial missed payment that led to the collection.

Contacting Us back to top

1-800-493-1058
PO Box 9556
Allen, TX 75013
Monday - Friday, 9:00am to 5:00pm in your time zone.


End of Investigation Results

The BayHouse Credit Forum discussion: Kermie's Experian report + American Agencies ( Pac Bell) collection