Expert: Apex Credit Services, LLC - 12/18/2007

Question
I received a negative report from Unifund. The report states that the account was opened in May 2007. This is not true. They apparently bought my account from Household Bank. How do I fix this?

Answer
Tina:

    Unifund is a rather troublesome debt purchaser.  Per their usual and inaccurate reporting methods, they are reporting the date the bought the account as the date in which it was opened.  I would suggest the following:

    Contact Unifund in writing and request that they validate the underlying debt.  

    Contact the credit reporting agencies and request that they re-investigation the subject account tradeline.  Clearly state that they date of status and date opened are inaccurate insofar as they reflect too recent of a date.  In addition, attack the account status inasmuch as they will be reporting the account as past due.  Attack the account type because they will be reporting it as open or an installment.

              Apex Credit Services, LLC