05-01-2013 06:03 PM
So i had a debt, looked at report shows 0 paid was a charge off. I get a call never heard of them, put it together and figure my OC sold to a CA. Well i live in NC SOL is 3 years. one credit file says last activity 05 2010 the other says oct 2010 which i last made a payment 05 2010 so my thoughts are this. I tell CA notta i do not divulge info over phone if they want to find out if im the right one well write me a letter. 2. they cannot report to my credit report can they? they are not on it right now because i believe they have not verified who i am if i exist etc.. lol. What would the professionals do in this case?? I do not one them on my CR the OC is already on it for another 4.5 yrs.. your thoughts?
05-01-2013 06:15 PM
Whether or not they report is totally up to them, but nothing legally stops them from reporting. They don't have to verify identity before reporting. If the OC passed along your name and info, they can use that to report. I would make an assumption that they could report.
Did any CA contact you? If not, wait it out is what I'd do.
05-01-2013 06:28 PM
Yes a CA called today. Its the only thing they could possibly call about they asked for my name i said and who is asking. they said niagara credit. I said never heard of you dont have any business with you, good day. i only have one baddie on my credit. its a repo from 05/2010. Plus it now states on my credit paid in full/ was a charge off. I didnt pay it lol.. so i put it together that it must have been sold to that CA
05-01-2013 06:29 PM
Ive received no dunning or any letters stating anything in my mailbox. so i am still not 100 percent that is what its for haha. Maybe im paranoid lol.. But like i said i have zero other matters.
05-01-2013 06:39 PM
I would ready a DV letter and would send it out within a couple of weeks if they haven't sent anything by then. If they just started calling then a dunning letter is probably on its way now.
05-01-2013 06:52 PM
but hey nmac has there own ca right??
they wouldnt sell it to a lowlife like these guys from what i been reading! would they?
05-01-2013 06:59 PM
plus i never give out info to random people on phone i figure hey if its me they can find my address and go through proper channels. you know.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.