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Confused about drop off dates

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babygirl041



Joined: 29 Aug 2009
babygirl041's page
Posts: 1



65 Magic Points

Subject: Confused about drop off dates
 
Posted on Sun Aug 30, 2009 7:21 pm  

Below is my CR, could you please help me? This is the OC and CA, why are the drop off dates from my CR different? This account has been sold to different CA. I posted the mosted recent CR and a CR from Equifax 10/2008 that shows different dates DOFD as well.


Equifax Credit Report 9/24/09
Columbus Bank & Trust

Account Number 403624000559xxxx
Current Status Charge-Off
Account Owner Individual Account
High Credit $1128
Type of Account Revolving
Credit Limit $500
Term Duration
Terms Frequency Monthly (due every month)
Date Opened 03/2005
Balance $0
Date Reported 12/2008
Amount Past Due $0
Date of Last Payment 05/2006
Actual Payment Amount $0
Scheduled Payment Amount $0
Date of Last Activity N/A
Date Major Delinquency First Reported 01/2007
Months Reviewed 22
Activity Description Transfer/Sold
Charge off Amount $0
Date Closed
Type of Loan Credit Card
Date of First Delinquency 07/2006
Comments Charge off / Closed by credit grantor

April 2006 90 days July 2006 30 days
August 2006 60 days Sept 2006 90 days
Oct 2006 150 days Dec 2006 CO


CIGPF1 CORP

Account Number 1804xxxx
Current Status
Account Owner Individual Account
High Credit $1057
Type of Account Revolving
Credit Limit $0
Terms Frequency Monthly (due every month)
Date Opened 03/2005
Balance $1057
Date Reported 07/2009
Amount Past Due $1057
Date of Last Payment
Actual Payment Amount $0
Scheduled Payment Amount $1057
Date of Last Activity N/A
Date Major Delinquency First Reported 12/2008
Months Reviewed 25
Activity Description N/A
Charge off Amount $0
Date Closed
Type of Loan Credit Card
Date of First Delinquency 02/2007
Comments

2008 JAN (CA) APR (CA) JUN (CA) JUL (CA) AUG (CA)
2007 FEB (CA) MAR (CA) APR (CA) MAY (CA) JUN (CA) JUL (CA) AUG (CA) SEP (CA) NOV (CA) DEC (CA)
2006
2005


Trans Union
CIGPFI CORP

Balance: $1,057
Pay Status: Collection Account
Date Updated: 07/2009
Account Type: Revolving Account
High Balance: $1,057
Responsibility: Individual Account
Past Due: $1,057
Date Opened: 03/2005
Date Closed: 02/2007
Loan Type; Credit Card
Remark: Placed for Collection
Estimated date that this item will be removed: 1/2014


Columbus Bank & Trust

Balance: $0
Pay Status: Payment After Charge Off/ Collection
Date Verified 12/2006
Account Type: Revolving Account
High Balance: $1,128
Responsibility: Individual Account
Credit Limit: $500
Date Opened: 03/2005
Date Closed: 03/2006
Date Paid: 05/2006
Loan Type; Credit Card
Remark: Account closed by credit grantor
Estimated date that this item will be removed: 02/2013




Experian
CIGPF1 CORP

Status: Collection account $1,057 past due as of Jul 2009
Date Opened: 03/2005
Reported Since: 02/2007
Date of Status: 02/2007
Last Reported: 07/2009
Type: Revolving
Terms: NA
Monthly Payment $0
Responsibility: Individual
Credit Limit/Original Amount: NA
High Balance: $1,057
Recent Balance: $1,057 as of 07/2009
Recent Payment: $0

Status Details: This account is scheduled to continue on record until Dec. 2011
Account History; Collection as of Jul 2009, Jun 2009, Apr 2009, Jun 2008 to Mar 2009, Apr 2008, Feb 2008, Feb 2007 to Jan 2008


Columbus Bank & Trust

Status: Transferred, closed. $1,057 written off
Date Opened: 03/2005
Reported Since: 04/2007
Date of Status: 04/2008
Last Reported: 04/2008
Type: Revolving
Terms:NA
Monthly Payment $0
Responsibility: Individual
Credit Limit/Original Amount: $500
High Balance: $1,128
Recent Balance: NA
Recent Payment: NA

Status Details: This item is verified and updated on Apr 2008
Creditor’s Statement: Account closed as credit grantor’s

Account History: Charge Off as of Mar 2007, Feb 2007
180 days past due as of Jan 2007
150 days past due as of Dec 2006
120 days past due as of Nov 2006
90 days past due as of Oct 2006, Apr 2006
60 days past due as of Aug 2006, Mar 2006
30 days past due as of Jul 2006, Oct 2005

Equifax Credit Report 10/27/08
Columbus Bank & Trust

Account Number 403624000559xxxx
Current Status Charge-Off
Account Owner Individual Account
High Credit $1128
Type of Account Revolving
Credit Limit $500
Term Duration
Terms Frequency Monthly (due every month)
Date Opened 03/2005
Balance $0
Date Reported 04/2008
Amount Past Due $0
Date of Last Payment 05/2006
Actual Payment Amount $0
Scheduled Payment Amount $0
Date of Last Activity N/A
Date Major Delinquency First Reported 01/2007
Months Reviewed 22
Activity Description Transfer/Sold/Paid
Charge off Amount $0
Date Closed
Type of Loan Credit Card
Date of First Delinquency 12/2006
Comments Charge off account / Closed by credit grantor

April 2006 90 days July 2006 30 days
August 2006 60 days Sept 2006 90 days
Oct 2006 150 days Dec 2006 CO


CIGPF1 CORP

Account Number 1804xxxx
Current Status
Account Owner Individual Account
High Credit $1057
Type of Account Revolving
Credit Limit $0
Terms Frequency Monthly (due every month)
Date Opened 03/2005
Balance $1057
Date Reported 09/2008
Amount Past Due $1057
Date of Last Payment
Actual Payment Amount $0
Scheduled Payment Amount $1057
Date of Last Activity N/A
Date Major Delinquency First Reported 02/2007
Months Reviewed 17
Activity Description N/A
Charge off Amount $0
Date Closed
Type of Loan Credit Card
Date of First Delinquency 02/2007
Comments: Collection

2008 JAN (CA) APR (CA) JUN (CA) JUL (CA) AUG (CA)
2007 FEB (CA) MAR (CA) APR (CA) MAY (CA) JUN (CA) JUL (CA) AUG (CA) SEP (CA) NOV (CA) DEC (CA)
2006
2005
_________________
"The only reason men fail, is broken focus"
James Orr

James Orr

Joined: 07 Jun 2009
JamesOrr's page
Posts: 52
Location: Maharashtra


293 Magic Points

 
Posted on Tue Sep 08, 2009 3:37 pm  

babygirl041

In most of the cases OC as well as CA report the case of deliquencies in the payment to the credit bureaus on different dates.

So that is the reason why your credit report is showing different dates even though the entries are same.

I don't think it will hamper you in any way.Do you think it is really affecting you?
thanks and regards
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