Got Started -- Now What?

[sarie_in_virgin]

What is the name of your state? Virginia

Had another couple of questions since y'all were so great the first time...

I have a phone bill with Verizon which is out of SOL but still reportable for about 2 years or so, it's my debt so I was going to offer a PFD -- is out of SOL so it can't hurt me right? Here's the problem, it's being reported by one CA on EQ and another on EX. How do I know which is the right one and then how do I get rid of the other one?
My other question is about student loans -- defaulted on them about 3 years ago, since have consolidated but was wondering about the negs listed from the default. 3 of them are listed as CO/filed claim with gov. with the acct type as installment - is that correct or should it be closed? The 4th one has CO/filed claim with gov. but is showing as 120+ days past due and as an installment acct. I have read that student loans are virtually impossible to remove and was wondering if any of this was reason to dispute? And then with disputes over acct type or incorrect status is that enough for a deletion or will that just get a correction?
Thanks guys for all the help -- I'm getting there...

[Ladynred]

Here's the problem, it's being reported by one CA on EQ and another on EX. How do I know which is the right one and then how do I get rid of the other one?

Collection agencies report the date they bought the debt as the 'date opened' on your credit reports. The CA with the most recent 'date opened' date on your reports is most likely the one you want. There can't be TWO CA's collecting on the same debt. However, it could also be the SAME CA or junk debt buyer. A company like Sherman Acquisitions could be on one report and show Alegis on another - but they are the SAME COMPANY. To top if off, Sherman also goes by Resurgent Capital and the just changed their name to LVNV Funding. There are a few other CA's with multiple 'arms' that could do the same thing.

What are the CA's that are showing ?

3 of them are listed as CO/filed claim with gov. with the acct type as installment - is that correct or should it be closed?

If its charged-off it most likely IS closed and a student loan is an installment.

The 4th one has CO/filed claim with gov. but is showing as 120+ days past due and as an installment acct.

Well, a charge-off WOULD be '120 days past due', I don't see anything disputable there.

And then with disputes over acct type or incorrect status is that enough for a deletion or will that just get a correction?

Depends on whether or not the CRA can VERIFY the data. If they can't, it will be deleted. IF they do, you'll get a letter that says it remains.