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Can you help w/this Cingular Wireless issue??? btw - You Rock FICO Forum!

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Anonymous
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Can you help w/this Cingular Wireless issue??? btw - You Rock FICO Forum!

I have a collection only on my EQFX report (not on the other two CRA's). As you can see below the collection agency that reported it is a bunch of numbers/letters (this was reported in 12/2007 from an account in 2005)-

Any ideas w/regards to getting this removed from the one RA? I have worked really hard in the last few months to clean up my credit - Scores below (EXP at 703 from 616 in 12/07) - this last thing is driving me nuts as EQFX is my lowest score (see below). Thanks in advance for any help I couldn't have reached 703 without you!

Collection on debt to: Cingular Wireless

The collection agency "401yc09307" was hired to collect a debt of $296 originally owed to "Cingular Wirele" on account number "XXXXXX2726".
Collection agency [?] 401yc09307
Original balance [?] $296
Current balance [?] $0
Status [?] Paid
Date assigned [?] Nov 01, 2005
Date reported [?] Dec 01, 2007
Date last active [?] Jul 01, 2005
Date paid [?] Not Reported
Date closed [?] Not Reported
Original lender [?] Cingular Wirele
Account number [?] XXXXXX2726
Type of account [?] Not Reported
Account holder [?] Individual
Type of credit [?] Not Reported
Payment status [?] Not Reported
Largest past balance [?] Not Reported
Amount past due [?] Not Reported
Account descriptions [?] Not Reported

EQFX
651 3/12/2008
626 2/13/2008
626 1/22/2008
626 1/9/2008
593 12/20/2007
588 12/14/2007

TU
696 3/12/2008
662 2/13/2008
670 1/22/2008
663 1/9/2008
589 12/20/2007
589 12/14/2007

EXP
703 3/12/2008
682 2/13/2008
682 2/1/2008
686 1/22/2008
676 1/9/2008
646 12/20/2007
616 12/14/2007
Message 1 of 6
5 REPLIES 5
Anonymous
Not applicable

Re: Can you help w/this Cingular Wireless issue??? btw - You Rock FICO Forum!

DV the CA  CMRRR     the federal SOL is 2 years   so they can wil a lawsuit!
Message 2 of 6
Anonymous
Not applicable

Re: Can you help w/this Cingular Wireless issue??? btw - You Rock FICO Forum!

Not sure what this means "so they can wil a lawsuit!"

If I understand you - the SOL is 2 years - now is this the date of 2005 date or the erroneous 2007 date to which I never received anything in writing about it, etc.

Never done a debit Validation - I suppose I can search that on this site and do that.

Thanks so much for your input.
Message 3 of 6
Anonymous
Not applicable

Re: Can you help w/this Cingular Wireless issue??? btw - You Rock FICO Forum!

Cell phone co. have 2 years to file suit from DOFD    It can stay on CR for 7-7.5 years tho.
 
SOL v CRTP
 
Usually SOL is set by each state   BUT  this is federal SOL
Message 4 of 6
Anonymous
Not applicable

Re: Can you help w/this Cingular Wireless issue??? btw - You Rock FICO Forum!

In the info posted it says that the co is paid. Since it is a  paid co about all you can do is send a gw to the ca asking them to remove account. Given the way this account is listed you may have to file a dispute with the cra to get correct ca name and address.
Message 5 of 6
Anonymous
Not applicable

Re: Can you help w/this Cingular Wireless issue??? btw - You Rock FICO Forum!

Thanks for this - I wondered about that too w/the status being paid and all.

I will contact the CRA and get the correct name and address of the CA -
Message 6 of 6
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