Question about a dispute

[djc1puno]

hello folks,

here's my situation: i started looking at my credit report just these past few months to better understand and improve my credit score...it's been abused for a long time so i finally had enough courage to tackle the beast of my past...anyhow, i have CO (one reported in 2007) and since i didn't recall that account at all (credit card), i filed a dispute with experian (got 3 reports thru annual credit reports). however, after doing a bit more research, i think i should've just let that collection fall off, since i believe in california the statute of limitations is 4 years? i just took a peek at my credit report and that old collection is again reporting...my question is, does that mean i have to wait several more years for it to fall off? i also received a letter from the collections agency a few days ago with a court date (but it's 500 miles south of me so i don't think i'll make it)...i think i should've just waited for it to fall of my record as compared to disputing it...i was just eager to repair my score and hoped that if i got it discharged then my score would rise. i could really use you guys' input...thanks!

secondly, i filled out my annual free credit reports all at the same time...i was able to view them that night, but now i can only log back into experian and review that credit report...i tried looking at both transunion and equifax and i couldn't find where i might be able to re-view that free report...any ideas?

dc

[danielodonoll]

If the collection agency send u a letter with the court date,it means they will get a judgment against you and that will remain in your credit for 7yrs

How much was the collection for ?

[djc1puno]

hello...thanks for the reply...it's for 1500 plus i believe

[danielodonoll]

Its not worth it to stay 3 more  yrs with that co in the way

Just try to pay it for deletion

Is not worth the hassle for 1500 believe me.I would borrow the money or open a credit card and pay the collection

Remember to ask the collection agency to delete it from the credit report for a payment exchange

Most of the time they will comply

[09Lexie]

In California, It's 7 years not 4 years.

[djc1puno]

actually...here's what i got...it's actually NOT from the collections company...however, i do see them reporting again on my experian...here's what letter i got actually:

http://recordingclassaction.com/

it's actually a class action lawsuit...

dc

i had to redig the darn letter from my trash bin...lol...i was just too upset when i got it...

[danielodonoll]

Well even so the original lender will sell the debt to a diffrent collection agency and then you will be back to square one with a new collection showing in your credit report

[bs6054]

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@djc1puno wrote:

actually...here's what i got...it's actually NOT from the collections company...however, i do see them reporting again on my experian...here's what letter i got actually:

http://recordingclassaction.com/

it's actually a class action lawsuit...

dc

i had to redig the darn letter from my trash bin...lol...i was just too upset when i got it...

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So that's good, not a suit against you.  But, as a piece of easy advice to give: Try NOT to throw out letters you think are from collections setting court dates!  It's really something that might be good to keep...

[enharu]

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@09Lexie wrote:
In California, It's 7 years not 4 years.

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+1

also, was the collection really yours, or someone else? i didn't quite understand your first post.

if it really wasn't yours, fight it till the end. did you owe anything and not pay back?

[danielodonoll]

+1 enharu

Good advice