Hello All, I am back.
In Spring 2015, I happily bade my farewells to Courts and Collections and said "Hi" to clean credit reports and wise using credit.
Until today, I had my TU (TransUnion) Credit Score 690-705 reported thru one of my credit cards.
Today, I found my TU Credit Score as 602 and immediately requested my Free Annual Credit Reports after 1.5 years not worrying about this.
My today's (11/12/2016) TU Credit Report show one deragatory item:
MIDWEST RECOVERY SYSTEMS
2747 W CLAY STREET SUITE A
ST CHARLES, MO 63301
(888) 253-3440
Placed for collection:
09/29/2016
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION
AGENCY/ATTORNEY
Balance: $720
Date Updated: 11/04/2016
Original Amount: $720
Original Creditor: VIN CAPITAL LLC <------------------------- I have no clue who are they
(Financial)
Past Due: >$720<
Pay Status: >In Collection<
Report Created On: 11/12/2016
Also I found that my old friends Midland and Navient (former Sallie Mae) recently pulled my Credit Report with TU:
MIDLAND CREDIT MGMT INC
2365 NORTHSIDE DRIVE SUITE 300
SAN DIEGO, CA 92108
(844) 236-1959
Requested On: 08/19/2016
Permissible Purpose: COLLECTION
NAVIENT SOLUTIONS INC
PO BOX 9500
WILKES BARRE, PA 18773
(888) 272-5543
Requested On: 08/18/2016
Experian does not show anything, Equifax as usually denies my online requests and requires me send them by mail copies of my Driver License and SS Card.
I opened my Dispute with TU and posted my Consumer Statement "Not my Account".