@Anonymous wrote:
I did not receive a letter from the CA - I only found out about this through a recent pull of my credit report (same with the library issue). Again, I don't think I have any way to show I paid this in full. I can show that we made lots of payments to DirecTV, but no way of showing that the last payment was to pay the account in full. I just personally know that to be true because I handle all of the bills and specicially recall paying it. Also, it wasn't like we moved or anything at the time, we just switched cable providers, so I don't even have the doubt in my mind that maybe the last bill was sent to the wrong address, etc. I know it was paid. Unfortunately, these items are all on my husband's credit report and he has totally neglected it, so these things were piling up without him any the wiser.
Contact DirectTV and ask them for copies of all your past account activities. I would think you could match payments and dates that way to try and prove this was PIF.
I was just like your husband for many years. I hoped if I ignored the problems they would go away. They don't.
From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772
You can do the same thing with hard work
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