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I have a repo car that was repo back on 7/07, I gave it back. They sold it to portfolio who is now reporting as opened with them as of 10/10, I filed BBB complaint because they have never responded to my request verify the date of last payment (which they dont report). What would the SOL be for this collection? Can they claim it was open 10/10 when the it was repo back in 07. Balance on this is over 11k I cant get a home loan with this collection account on my record. What should I do now?
Yes the OC is still reporting which shows 7/07 and reporting charged off account. Portfolio is what I am worried about since they are the worse in getting of ones report,
No the only date the Collection account shows is open 10/10
@Maingal wrote:No the only date the Collection account shows is open 10/10
The open date of 10/10 is when Portfolio received the account. The DoFD of 07/07 is what determines the CRTP for the account to report on your credit report.