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There were random charges from the same line right in a row.
Here are the actual transactions from a screen grab I took a month ago: Long story short, I called my credit card company.
2) Part A: I noticed that on my report there are charge-offs and open collections.
In speaking to mortgage lenders, they expressed a concern and told me that all my open collections would need to be paid if I wanted to buy a house.
3) How would I know when specifically to use the debt-validation tactic?
(as I read your blog on backfiring and I don't want it to backfire on me) 4) Is there a point in disputing an item that is being reported by a collection agency/original creditor, if there is still a balance being reported? ) 5) Part A: Statute of limitations normally is 4 years from last DLA date....should I wait until this expires to try to delete the item or would it not matter?
(I had this happen to me, but not sure if this is correct).
However, today I noticed the reversal was reversed once again and added to my balance as valid charges. So this is what I did to solve this maddening issue of these XBOX charges: So while it’s a pain to get a new credit card, I don’t want some Gamer in Glendale buying ‘virtual points’ for his gaming escapades.I do have some knowledge of credit repair/collections/debts, etc, but I have some specific questions that I don't have answers to and there is a disconnect that happens in my mind when I begin trying to figure out where they truth actually is with respect to collections/charge off procedures, etc.