About wells fargo shown differently in the credit report : From 52,929 members

Shirley · Last edited by Shirley on Fri Jan 13, 2006 8:09 pm

Okay, this is the wells fargo account that I've been pulling my hair out over. I just wrote them certified return receipt. Its on my husbands Equifax report (he got today) as being 'charged off account;Chattel'. okay, forgive me if this is a dumb question but I haven't seen the word 'chattel' on our credit reports before, I don't think I've heard of it. what does it mean??
And they are reporting every month as charged off, the last time they reported was 9/05. eleven months straight every month as being charged off. Some of this was during the time that I started paying collection agency and they didn't cash my check for three months and so on...and wouldn't, nor haven't talked to me--yet wells fargo has been reporting on me during that time. does this mean they're still holding the account, or were until 9/05??. thanks for any info, shirley

Shirley · Posted: Fri Jan 13, 2006 8:05 pm Post subject:

does chattel mean personal property? It was a secure loan as I have posted before. a riding lawnmower that bit the dust a long time ago and a big screen tv that went out. Date opened 02/2002.
okay TOTALLY CONFUSED HERE:
It shows a balance amount of $2233. amount past due $2108. charge off amount $99.
This was reported 12/2005 just last month. charge off $99??? can anyone translate this? thanks shirley

Shirley · Posted: Fri Jan 13, 2006 9:05 pm Post subject:

on my transunion report I got yesterday, its showing this account as paid or paying as agreed. balance is $0 date opened 08/1998 date updated 02/2000 date closed 01/2000.. I am not getting this at all. hope the certified return receipt letter that I mailed out to wells fargo last week will help shed some light on this account. I only have this one and the visa one on my report, yet its not the same account number as husbands and we're joint. shirley

john · Posted: Sat Jan 14, 2006 11:27 am Post subject:

Chattels basically refer to the movable or immovable property. Anything can be classified under these heads such as goods, land, lease, mortgages etc.

You can assume that the charge off amount of $99 might be the charges added to the account by your creditors.

Shirley, there is some hard work that you have to do now. You need to compare all the three reports of your husband with yours one. Highlight each of the items that do not match with each other and dispute with the credit bureau for rectification. It feels sad to know that the three national credit bureaus are not showing any importance to the individual's credit file. Every individual's credit is very important and it is the responsibility of the bureaus to present their financial status accurately. It's sad that even after paying money for the services, we do not get our actual credit details in one single time.

Shirley · Posted: Sat Jan 14, 2006 1:21 pm Post subject:

Thanks John for responding. SO its kinda like they [may have] charged me $99 for my 'charge off'. I know what you mean about the hard work. I was up until 4 am this morning, filling out my transunion dispute form on my credit file to put in todays mail and was on line with Equifax disputing husbands credit file. These are the only two reports I've gotten back so far. one from equifax for him and a transunion for me. I am going to follow this through. Equifax just kept reporting, investigations show that its yours...okay, I knew this, I wasn't trying to get out of them being ours, I was hoping to get answers on what is going on with these accounts (dell and wells fargo)on why they won't talk to us and why collection agencies won't talk. this is what I was up all night disputing with them about. patience. I know its going to require patience and hard work on my part. But I am strong and will do what it takes to make this year work for me. I want this year to be the year. thanks for listening John!! Very Happy

Shirley

john · Posted: Sat Jan 14, 2006 1:40 pm Post subject:

Did you call the bureau and take suggestion regarding this matter on which update is necessarily required? I guess they attend such consumer queries.

Shirley · Posted: Sat Jan 14, 2006 1:44 pm Post subject:

No I haven't done that yet, but its definitely on my 'to do' list--and I'll come back and post any info I learn, in case anyone else has the same problems/questions. -shirley-

4u.bryan · Posted: Mon Jan 16, 2006 10:52 am Post subject:

Shirley · Posted: Mon Jan 16, 2006 11:00 am Post subject:

Tammy · Posted: Mon Jan 16, 2006 11:48 am Post subject:

Shirley,
Go into the USPS website and track you number. It will give you information like date and time it was delivered and signed for.

Shirley · Posted: Mon Jan 16, 2006 4:07 pm Post subject:

Mom of twins, good idea!!!! thanks for bringing that up!!! And thanks for everything *winkies* hugs, shirley

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