To DV or not to DV

[Anonymous]

Hello,

I'm extremly new to this and was hoping someone could help me out. I have two dings on my credit report that I would like to send a DV to and need some advice on whether or not I should bother.

The first is from NCO Financial (remarked as "placed for collection) for an orthodontist bill that has to be over ten yrs old but it's listed on the credit report as being opened on 1/31/02, and to be removed on 7/08. I'd like to have it removed ASAP but should I even bother with a DV if it's to be removed 7/08? I'm also concerned it was re-aged since this work was done over ten yrs ago.

The second is an old student loan, again well over 6 or 7 yrs old.

I have a report from TU from 06 that it's not even listed on

An EX report from this week that it is on and says

 ACS/BRAZO/BANKONE TRUSTEE, Status = closed collection account. Date opened 3/99 and going into 120 days late on 6/02. I don't believe i made a payment on this since 00.

The third report is a combined report from truecredit and on here it's listed twice.

Once as AFSA/BRAZO  reported to

EQ as condition = open (paid).

And then it's listed again as BRAZOS reported by

EX condition = Closed(paid), Pay Status = Collection/Chargeoff AND

EQ, Condition = Derogatory, Pay Status = Late 120 days.

All have the same account number and balance

Should I even bother with a DV? because I can't remember the last time I was contacted about either of them or if I was ever contacted.

[Anonymous]

state SOL

http://www.bankrate.com/brm/news/cc/20040116b2.asp?caret=8

http://www.fair-debt-collection.com/SOL-by-State.html#7

CRTP  doesn't change   drop off CR 7 -7.5 years

Have you disputed with CRA ???  I would do that and see if CA drops If they do not DV them

[fused]

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hockeycq wrote:

Hello,

I'm extremly new to this and was hoping someone could help me out. I have two dings on my credit report that I would like to send a DV to and need some advice on whether or not I should bother.

The first is from NCO Financial (remarked as "placed for collection) for an orthodontist bill that has to be over ten yrs old but it's listed on the credit report as being opened on 1/31/02, and to be removed on 7/08. I'd like to have it removed ASAP but should I even bother with a DV if it's to be removed 7/08? I'm also concerned it was re-aged since this work was done over ten yrs ago.

The second is an old student loan, again well over 6 or 7 yrs old.

I have a report from TU from 06 that it's not even listed on

An EX report from this week that it is on and says

 ACS/BRAZO/BANKONE TRUSTEE, Status = closed collection account. Date opened 3/99 and going into 120 days late on 6/02. I don't believe i made a payment on this since 00.

The third report is a combined report from truecredit and on here it's listed twice.

Once as AFSA/BRAZO  reported to

EQ as condition = open (paid).

And then it's listed again as BRAZOS reported by

EX condition = Closed(paid), Pay Status = Collection/Chargeoff AND

EQ, Condition = Derogatory, Pay Status = Late 120 days.

All have the same account number and balance

Should I even bother with a DV? because I can't remember the last time I was contacted about either of them or if I was ever contacted.

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Were you made aware of this debt within the last 30 days? I assume this debt is yours?

Message Edited by fused111 on 08-10-2007 01:33 PM

[Anonymous]

Fused111,

Yes the debt is mine and no I have not been contacted in the last 30 days about it. To be honest these are so old I don't remember the last time I was contacted about them.