Rebuilding Your Credit

[dobirdsmommy]

First Premier bank is my last baddie. They added one payment to each account in November of 2012 which I never made.  They did not take the amount of the supposed payment but they did  however update the account to reflect recent payment. One payment for 17 one for 20.   What is my official recourse?

[IOBA]

Do you dispute the debt?

The amount?

Are you making payments?

Are they trying to extend the SOL?

[dobirdsmommy]

Do you dispute the debt?

Not since 4/12

The amount?

20.00 payment on one card that is 208 due from 2008 and 17.00 on 400.00 card that is due from 2008

Are you making payments?

No I am not. 

Are they trying to extend the SOL?

I am in NY so the only thing I am counting on is the 5 year rule of the DOFD being 2008.

[dobirdsmommy]

Do you dispute the debt?

Not since 4/12

The amount?

20.00 payment on one card that is 208 due from 2008 and 17.00 on 400.00 card that is due from 2008

Are you making payments?

No I am not. 

Are they trying to extend the SOL?

I am in NY so the only thing I am counting on is the 5 year rule of the DOFD being 2008.

[annielorie]

They are trying to extend the SOL without you noticing. Dispute the payments with CRA's.

[RobertEG]

I would not accuse them of any nefarious reason in their reporting.  The simple fact is that you did not make the payment, and thus the reporting was inaccurate.

I would not dispute through a CRA.  I would send them a direct dispute under FCRA 623(a)(8), thus assuring that they receive any accompanying documentation and respond directly to you.

[guiness56]

---

dobirdsmommy wrote:

Do you dispute the debt?

Not since 4/12

The amount?

20.00 payment on one card that is 208 due from 2008 and 17.00 on 400.00 card that is due from 2008

Are you making payments?

No I am not. 

Are they trying to extend the SOL?

I am in NY so the only thing I am counting on is the 5 year rule of the DOFD being 2008.

---

That is only for paid collections.

[guiness56]

Do you dispute the debt?

Not since 4/12

The amount?

20.00 payment on one card that is 208 due from 2008 and 17.00 on 400.00 card that is due from 2008

Are you making payments?

No I am not. 

Are they trying to extend the SOL?

I am in NY so the only thing I am counting on is the 5 year rule of the DOFD being 2008.

[dobirdsmommy]

Guiness I know that.  I will pay them when it is exactly 5 years