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Old Account Reappearing - Need Advice Please!!!

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keyelove
New Contributor

Old Account Reappearing - Need Advice Please!!!

I've worked really hard to get things straightened out on my credit. I no longer had any more collections.

 

I had a really old Peoples Energy account from 2002. It shows on my TU report that the last payment was made on 5/2006 and the account was charged off 10/03/2006. However, they have a DOFD in 2008. I can not get TU to remove it. What steps can I take to get this removed.


Starting Score Early 2013: TU - 556 & EF - 552 & EXP - 591
Current Score 10/09/14 (MyFico): TU - 666 & EF - 665 & EXP- 711
Goal Score: 730 Across all 3 bureaus
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gdale6
Moderator Emeritus

Re: Old Account Reappearing - Need Advice Please!!!


@keyelove wrote:

I've worked really hard to get things straightened out on my credit. I no longer had any more collections.

 

I had a really old Peoples Energy account from 2002. It shows on my TU report that the last payment was made on 5/2006 and the account was charged off 10/03/2006. However, they have a DOFD in 2008. I can not get TU to remove it. What steps can I take to get this removed.


File a complaint with the CFPB against both entities, it appears its been re aged and thats illegal, I would also request 1K as part of the resolution for violating the FCRA.

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