Is the CA allowed to reage account after dispute with CRA?
I disputed a Collection on my experian last year with no success and I noticed on my new Credit report that the date of last activity is now listed as the date I diputed the item. Is this legal? Can I do anything?
Re: Is the CA allowed to reage account after dispute with CRA?
Augustlove wrote: I disputed a Collection on my experian last year with no success and I noticed on my new Credit report that the date of last activity is now listed as the date I diputed the item. Is this legal? Can I do anything?
No they can not reage. Call the CRA and ask for drop off date.
Do you still have copy of last years CR? If you do & CRA gives you incorrect DOFD. Dispute CMRRR and send copy of old report.
Re: Is the CA allowed to reage account after dispute with CRA?
HappyDays wrote:
Augustlove wrote: I disputed a Collection on my experian last year with no success and I noticed on my new Credit report that the date of last activity is now listed as the date I diputed the item. Is this legal? Can I do anything?
No they can not reage. Call the CRA and ask for drop off date.
Do you still have copy of last years CR? If you do & CRA gives you incorrect DOFD. Dispute CMRRR and send copy of old report.
If the CRA does determine that the account was in fact reaged, most likely would they
Re: Is the CA allowed to reage account after dispute with CRA?
monro411 wrote:
HappyDays wrote:
Augustlove wrote: I disputed a Collection on my experian last year with no success and I noticed on my new Credit report that the date of last activity is now listed as the date I diputed the item. Is this legal? Can I do anything?
No they can not reage. Call the CRA and ask for drop off date.
Do you still have copy of last years CR? If you do & CRA gives you incorrect DOFD. Dispute CMRRR and send copy of old report.
If the CRA does determine that the account was in fact reaged, most likely would they
delete it or correct it?
Only call and ask for drop off date. If your records show a different date or re-aging it can not be done on the phone. You will need to copy proof & CMRRR with dispute
Re: Is the CA allowed to reage account after dispute with CRA?
HappyDays wrote:
monro411 wrote:
HappyDays wrote:
Augustlove wrote: I disputed a Collection on my experian last year with no success and I noticed on my new Credit report that the date of last activity is now listed as the date I diputed the item. Is this legal? Can I do anything?
No they can not reage. Call the CRA and ask for drop off date.
Do you still have copy of last years CR? If you do & CRA gives you incorrect DOFD. Dispute CMRRR and send copy of old report.
If the CRA does determine that the account was in fact reaged, most likely would they
delete it or correct it?
Only call and ask for drop off date. If your records show a different date or re-aging it can not be done on the phone. You will need to copy proof & CMRRR with dispute
I was actually asking what is more likely to happen if you can prove that the account was re-aged. What would the CRA do in that case. Would they delete the account or would they just correct the aging?
