I defaulted on my payments when I moved to another country and was no longer able to make payments toward this debt.
I have one entry showing up as Nextcard, but only on Transunion and Equifax.
High Balance: $4954
It's showing as 30 days late as of June, 2002, even though I moved in February 2002 so that's when the last payment would have been. On Transunion, it is showing as closed, but on Equifax, it is showing as an *open* account. The pay status shows as "90 days late." Everything I have read has showed that Nextcard went belly up in 2002, so how can the account still be open?
The next incidence of this debt is as follows, BUT, is only showing up on Experian and Equifax.
Past Due: $5373
High Balance: $5373
Now, this one shows as "Collection/Chargeoff" on the pay status. As far as I can tell, this one wasn't ever sent to a collection agency.
Now, I know these are both the same account, as the visible account number before the XXXXXs is the same except that one number is different.
The original time of default for these should be Match, 2002, since the last payment would have been made in either January or February of 2002.
The Wisconsin statute of limitations is 7 years, and in Texas, it is 4 years (which is where the debt occured).
Because this card is reported twice on my account, my credit score is tanked.
Can I write to the credit reporting bureaus to ask to have these removed from my credit report? Nextcard no longer exists, and the other is a charge off. It's been well beyond 4 years for the statute of limitations for this debt. If I have to wait for Wisconsin law, though I have only lived here for 3 months, then it will be June that is the earliest that I can see them drop off.
Please, can anyone offer me advice?
Eau Claire, Wisconsin