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i have read on hear that if a collection agency report 120 days late on credit bureaus its illegal. Does anyone know anything about this. also if a collection agency got a charge office debt can they raisie the fee since its getting to the 7yr mark of falling off after dispute and put that comment. The company is LVNV
They cannot report a payment history like the OC can, they can indicate its past due. As far as increasing the amount owed each month this is also legal and some will do it right up until the exclusion date from ones CR. They can also post disputed if you actually did dispute it. If its just about ready to drop off your reports and its past your states SOL I would just send them a cease and desist letter.