...question about disputes -

[Anonymous]

If an adverse account is found on a credit report (in collections - I have no recollection of this account), should I first dispute it with the collection agency that's reporting it on the credit report or should I dispute it through the actual credit reporting agency that it's found on (Eq, Ex, Tu)?

Thanks in advance

[Anonymous]

Is it a collection agency that is reporting the account on the CRs? If so, then send the CA a DV letter. You can search on this forum for sample DV letters. Send it certified mail with return receipt request.

[danikasmom]

What is the DOLA?  It should say on the report and what is the SOL for your state?

[future]

send the ca a dv letter cmrrr, once you receive the green card back, then dispute it with cra's.

[Anonymous]

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upmyscore2008 wrote:
Is it a collection agency that is reporting the account on the CRs? If so, then send the CA a DV letter. You can search on this forum for sample DV letters. Send it certified mail with return receipt request.

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Yes, it's a collection agency. I'll give it a try... thanks.

[Anonymous]

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danikasmom wrote:

What is the DOLA?  It should say on the report and what is the SOL for your state?

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I'll have to officially find out the SOL in my state (Louisiana) - I've heard it's 7 yrs.

[Anonymous]

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future wrote:

send the ca a dv letter cmrrr, once you receive the green card back, then dispute it with cra's.

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 ... this sounds like a plan. 

Thank you.

[guiness56]

Louisiana Statutes of Limitation Contracts: 10 years. Open accounts: 3 years. Lawsuits, which are filed but not pursued, become null three years after the last action taken. Judgment: 10 years, and if not renewed within the ten years become a nullity. Up Maine Statutes of Limitation