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Verizon Wireless reports without the DATE OPENED
 Moderated by: Christine
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 Posted: Thu Dec 7th, 2006 02:04 am
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Christine
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Joined: Thu Nov 30th, 2006
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Verizon reported this account on a client's reports without the date OPENED.

Please read
AFTER deletion of the chargeoff: score went DOWN 18 points
to see how VERY IMPORTANT account history is.

Does Congress have to specifically mention EACH piece of data or can we just leave it at COMPLETE credit reporting?


Equifax

VERIZON (Individual)
Credit Grantor Contact Information
Not on record

Account Number Not on record
Account Type Open Account
Credit Limit
(High Credit)
$545
Minimum Monthly Payment (Terms) $0

Date Opened Not on Record
Date of Last Activity February, 2002
Description Account transferred or sold
Charged off account

Last Report on June, 2006
Balance Current status Past Due Amount
$0 Bad debt/collection

Seven Year Payment History
30 days late: 0 60 days late: 0 90+ days late: 0

Trans Union

VERIZON (Individual Account)
Credit Grantor Contact Information
Not on record

Account Number 300465614XXXX
Account Type Open Account
Credit Limit
(High Credit)
$545
Minimum Monthly Payment (Terms)

Date Opened Not on Record
Date of Last Activity Not on Record
Date Paid Out Not on Record
Date Closed January, 2004
Loan Type Utility Company
Collateral SLDTO AFNI 8663079197
Description Purchased by another lender

Last Report on June, 2006
Balance Current status Past Due Amount
$0 Charged off as bad debt $0

Seven Year Payment History
30 days late: 0 60 days late: 0 90+ days late: 0

Experian

VERIZON WIRELESS (Individual)
Credit Grantor Contact Information
Not on record

Account Number XXXX
Account Type Installment
Credit Limit
(High Credit)

Original Amount $545
Charge Off Amount $545
Minimum Monthly Payment (Terms)
1 Month
Date Opened Not on Record
Date of Status January, 2004
Last Payment Date Not on Record
Date Closed
Loan Type Unknown - Credit Extension, Review, Or Collection
Collateral
Description Transferred to/purchased by another lender

Last Report on June, 2006
Balance Current status Past Due Amount
Unpaid balance reported as a loss by credit grantor

Seven Year Payment History
30 days late: 0 60 days late: 0
90+ days late: 24: 6/2006 - 5/2004


[Note:  Devastating late payments AFTER the account was charged off in 2002. 

And you wouldn't be able to tell from the Experian reporting when the account was charged off, but that's a different issue.]



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