paycheck city

DH and me closed our JC Penney account last summer, balance was $85. DH had this TL prior to our marrying since 12/1/88. Pulled CR and TL shows "Credit Line Closed Consumer Request". But shows a Past Due Bal of $60. Spoke w/3 reps on phone, all confirmed account closed and that they did receive our payments. 2 mos pass and we notice that they have been charging us late fees and overlimit fees by lowering our credit limit to a totally arbitrary amount BELOW the $60 balance!! There should no credit limit because we closed the account. They input a number out of the sky below the balance so that it looks like we were ALWAYS over limit. Pulled CR again 2 weeks ago and now CR states "was 30, 60, 90 days past due, was 120 days or more past due." FIGHT-TIME
Both are still being disputed and I'm hopeful they will be gone for good in the next 30 days.
Do they apply the FICO criteria to the information contained in your TU report, or use the FAKO number provided by TU?
(Paycheck city) Well, I'm going to be in CO in a few weeks and would love to serve these suckers myself I'll do just about anything to get this off of Dh's report!
A broker is payed a SRP are based on the same PURCHASE price, see who has offered you the best "deal".