Drop Off Date (7 years from when??)

[Anonymous]

along those same lines. the following is noted in the "comment" field but the first missed payment was in 2002:

Charged-off Derogatory. Occurred in 11/2006.

does anyone know if they can do this?

[Anonymous]

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sely wrote:

along those same lines. the following is noted in the "comment" field but the first missed payment was in 2002:

Charged-off Derogatory. Occurred in 11/2006.

does anyone know if they can do this?

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Provided you missed a payment in 2002 and never made another payment, your DOFD is in 2002. It doesn't matter when they charged it off; the TL should drop off in 2009ish.  If it doesn't, then dispute it as outdated.

[Anonymous]

but if someone is checking my credit and they look beyond the score...will this comment hurt me further? if so, do i have any grounds for disputing it?

[Anonymous]

Yes, you absolutely have grounds to dispute it. If the DOLA, DOFD, or both is from 2002, and they are reporting 2006, they by all means dispute it as inaccurate. If they don't correct it, you have grounds for a lawsuit.

[Anonymous]

Good to know. Thank you.

[Anonymous]

i see what they've done now.

'someone' has reported that i made a payment in october 2006...this is not true. they've obviously done this to substatiate the "derogatory. occured 11/06" statement. this seems to be a more serious issue than just removing the comment.

comments?

[Tuscani]

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sely wrote:

i see what they've done now.

'someone' has reported that i made a payment in october 2006...this is not true. they've obviously done this to substatiate the "derogatory. occured 11/06" statement. this seems to be a more serious issue than just removing the comment.

comments?

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This is illegal re-aging. You should dispute ASAP. I would consult a local consumer rights lawyer if they do not remove.

[Anonymous]

sely,

By chance do you have a paper copy of your CRs from before this little shenanigan and after the supposed payment? If so, it's gold.

Sidebar: This is why it's important to periodically pull your CRs from all three CRAs. Annual is fine, but quarterly is better, monthly is best, and daily if you're analretentive like me.

Call the CRAs that are reporting this TL and ask them about the DOFD on this TL. Don't press for anything else, no talk of lawsuits or the erroneous late payments, et al. Just get the DOFD, say thank you, and say good bye.

[Eric958]

Hey Noah, I'm in the same boat except I have a hard copy of the CR from EX before they re-aged! what would be my best course of action? Thanks E!

[Tuscani]

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Eric958 wrote:
Hey Noah, I'm in the same boat except I have a hard copy of the CR from EX before they re-aged! what would be my best course of action? Thanks E!

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Contact EX and tell them your situtation. Also inform them you have proof from an old CR that the account has been illegally reaged.