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My last derogatory mark is a five year old repo from DT Credit. I DVed with the CRA and they updated but no longer report as actively late, whereas they were doing so up until I DVed them. My concern is will this CA go the collection route now that I have made myself known to them again? Or is this debt so old that I need not worry about a lot of new action - in hindsight I should have let this one be but I got a little DV happy.
What is your state's SOL....could the CA potentially sue you for this debt?
I am beyond safe as SOL is 4 years after the auctioning off of the vehicle. My bigger concern is that the company can flip this to a collection which would be a huge headache come loan time.
By the way, AlienFico, did your TU score ever update? I was the OP that had four collections deleted and a confirmation from TU via email, only to receive no alert or score change. Just wondering if you received one yet..
@daddiggingout wrote:By the way, AlienFico, did your TU score ever update? I was the OP that had four collections deleted and a confirmation from TU via email, only to receive no alert or score change. Just wondering if you received one yet..
It did update by 1 pt....lol. But the experian showed the greatest gain I went from 576 to 601.....jist one point into the 600s but I will gladly take it
@alienfico wrote:
@daddiggingout wrote:By the way, AlienFico, did your TU score ever update? I was the OP that had four collections deleted and a confirmation from TU via email, only to receive no alert or score change. Just wondering if you received one yet..
It did update by 1 pt....lol. But the experian showed the greatest gain I went from 576 to 601.....jist one point into the 600s but I will gladly take it