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.