OC Gone and new creditor

[renegade92]

I had a one credit card since 2001, and had trouble paying it since 2008, for 2010 the OC gone and new creditor sell to JEFFERSON CAPITAL SYSTEMS in mar 09 2015 but with the name of the OC and this creditor no exist. and now have a 2 occounts with same account bot difernet creditor. and  OC out to date for DOFD?

 EFFERSON CAPITAL SYSTEMS

Original Creditor 12 WESTERNBANK

$2,429

High Balance

Mar 09, 2015

Opened Date is error because OC gone in january 2010

Sep 16, 2016

Last Reported

Individual

Responsibility

AND NEW CREDITOR

Last Reported

Jun 30, 2015

Creditor Name

BANCO POPULAR VISA

Account Type

Credit Card

Account Status

Closed - Transfer/Sold

Opened Date

Aug 19, 1998

Closed Date

--

Limit

$1,000

Term

--

Monthly Payment

--

Responsibility

Individual Account.

Balance

$0

Highest Balance

--

Payment Status

Collection/Charge-Off

Worst Payment Status

--

Date of Last Payment

Feb 01, 2011

Amount Past Due

--

Times 30/60/90 Days Late 6/2/6

Remarks

[Anonymous]

---

@renegade92 wrote:

I had a one credit card since 2001, and had trouble paying it since 2008, for 2010 the OC gone and new creditor sell to JEFFERSON CAPITAL SYSTEMS in mar 09 2015 but with the name of the OC and this creditor no exist. and now have a 2 occounts with same account bot difernet creditor. and  OC out to date for DOFD?

 EFFERSON CAPITAL SYSTEMS

Original Creditor 12 WESTERNBANK

$2,429

High Balance

Mar 09, 2015

Opened Date is error because OC gone in january 2010

Sep 16, 2016

Last Reported

Individual

Responsibility

AND NEW CREDITOR

Last Reported

Jun 30, 2015

Creditor Name

BANCO POPULAR VISA

Account Type

Credit Card

Account Status

Closed - Transfer/Sold

Opened Date

Aug 19, 1998

Closed Date

--

Limit

$1,000

Term

--

Monthly Payment

--

Responsibility

Individual Account.

Balance

$0

Highest Balance

--

Payment Status

Collection/Charge-Off

Worst Payment Status

--

Date of Last Payment

Feb 01, 2011

Amount Past Due

--

Times 30/60/90 Days Late 6/2/6

Remarks

---

To see the actual reported DoFD, pull your EQ report from annualcreditreport.com - its 100% free. The DoFD is the olny date that matters.

[RobertEG]

If a debt is delinquent when purchased by another, the purchaser is a debt collector under the statute.

Their reporting is considered a collection.

Jefferson Capitol is reporting as a debt collector, and the Open Date of their collection is the date they obtained the debt, not the open date of the OC account.

[renegade92]

Thanks for your answers.

[rmduhon]

Was the account ever brought current after 2006?

[renegade92]

No, sometimes I paid well and others passed me by 2 months 3, my credit limit was 1000 and ended in 2400 with the late fee and other charges. in 2010 the bank owner of this account is closed by FDIC for insolvence and the account move to other bank, but the account number change and name account. and 2 years later sell account a JEFERSON CAPYTAL SISTEM but with name of OC.

OC

Account Details

Last Reported

Aug 01, 2010

Creditor Name

WESTERN FEDERAL SAVI

Account Type

Credit Card

Account Status

Closed - Transfer/Sold

Opened Date

Aug 01, 1998

Closed Date

Feb 01, 2005

Limit

$1,000

NEW CREDITOR

Account Details

Last Reported

Jun 30, 2015

Creditor Name

BANCO POPULAR VISA

Account Type

Credit Card

Account Status

Closed - Transfer/Sold

Opened Date

Aug 19, 1998

Closed Date

--

Limit

$1,000

Term

--

Monthly Payment

--

Responsibility

Individual Account.

Balance

$0

Highest Balance

--

Payment Status

Collection/Charge-Off

Worst Payment Status

--

Date of Last Payment

Feb 01, 2011

Amount Past Due

--

Times 30/60/90 Days Late

6/2/6

Remarks

Charged off account

AND COLLECTOR

  Account Details

Last Reported

Oct 07, 2016

Collection Agency

JEFFERSON CAPITAL SYSTEMS

Original Creditor

WESTERNBANK

Status

Open

Opened Date

Mar 09, 2015

Closed Date

--

Responsibility

Individual Account.

Balance

$2,429

High Balance

$2,429

Remarks

Consumer disputes this account information
Collection account