Just recieved my Transunion report.
Can anyone explain why the entries are not in cronilogical order, or at the very least alphabetical order?

They are all over the map with no rhyme or reason.

From what I can tell the only date that matters is the date of last payment if it is over 6 years old it should be purged. So if they will I would call the company again and get them to send you out a letter with the date of October 2003 as the last payment date and then it should be written off.

Not from the original no. When I contacted Citi about it they had to send me to several different offices (over the phone) in order to find it becuase it was so deeply archived. In the end, they had very little information, but I was able to get the confirmed last date of activty being the 02/10/2003 date I stated earlier.

Just I would call or write to Equifax and Transunion for the information on the account because they should have the information on the original account and if it is the same as the Capital One account then point out to them that the dates and that it has already been removed because they will know that ActivKapital, which are rude to deal with, can not extend credit. Hopefully that helps. The date keeps changing because that is the last date it was update and that is the amount owed today if you paid it off. Do you have any of the documents for that account?

Anyone have an idea what the date is in the balance feild, and why they keep updating it? Does this date reflect anything?

I have prepared letters ot send to both Equifax and Transunion to clear this up.

High Balance: $8000
Balance: 02/24/2008
Balance: $10000

On my credit report the dates listed for the original debt look like this:

Opened: 02/01/2003
Reported: 10/01/2006

And this is the one that has been removed from my report. I am assuming then that the Opened date is the beginning of the deliquincy.

The CA debt is listed furhter down the list with the following dates:

Opened: 07/01/2005

Something ackward on the report as well however is that there is 3 balance details:

High Balance: $8000
Balance: 02/24/2008
Balance: $10000

(These aren;t the actual amounts, just roughly) I am wondering why they have a date in a balnce field. But also, can I get this removed based on them "re-opening" a debt that was already on my credit report?

My original debt started in 02/01/2003, should any CA reports referenced to this be removed once the original debt becomes dead per the SOL ?

Once again, need your advices Guys & Gals.

So the end result of this was that Acktiv rejected my settlement. I sent my Notice of Assessment and as I expected, they came down hard on me, I requested their forms to prove my expenses and sent back to them with actual copies of bills and they rejected it. So I told the guy I was dealing with on the phone, there was nothing I could do further than the 30% settlement, based on that was all of the money i was able to borrow from freinds, family and even (ashamed to say) my church.

So that ended that, I gave the money I had borrowed back and I am back to where I started. a couple months passed and the guy contacts me again - wants to do the 30% settlement. I told him no, I cant do it, the 30% a few months earlier was based on what I had to scrap and borrow and I was not going to go through it again, that he had his chance and for whatever reason rejected it and I had enough, I told him I was unable to pay, and he has the documentation regarding my income & expenses to prove it.

So he still calls and we arent budging, nothing has changed, I am just buying time for this to be off of my record.

Then I pulled up my credit report today. And as I spoke earlier, this debt was on there twice, once with CitiFinancial (Opened 02/01/2003) and again with the collection agency Aktivcaptial Opened 07/04/2005). Except that the debt from CitiFinancial has been removed from my report. I am assuming this is based on the 6 year Statute, that it was removed after 02/01/2009.

My question is, is the collection agency's report viable? Doesnt it link to the original debt? I am preparing a letter to Equifax in regards to this but I wanted to get some advice from the money advisor community first.

I would ask them if they have financial capacity forms to fill out so you can be considered for a low perimeter settlement offer. These forms are to show where all your money goes. I would leave out your banking information.

Thinking it over, I am going to provide them with my notice of assessment. The problem I have with that, is that I do make a very good wage. The issue is where I live, in the NWT, cost of living is much higher. Rent is 50% of my wage and then food, power, fuel is another 30-40%. At the end of the month, my family and I have very little remaining if any, I am worried that Aktiv will not look at that, just my income.

I showed them my NOA and thats how i got my 10% settlements.