06-09-2009 03:27 PM
06-09-2009 04:21 PM
06-09-2009 05:55 PM - edited 06-09-2009 05:59 PM
They stopped reporting last year sometime after I disputed the account. I don't have my old credit report so I do not no the DOFD. I belive the SOL for my state is 5 years.
They stopped reporting because they could verify the debt....i.e. They are out of GAS....but still trying to collect. They still have the debt and didn't sell it or they wouldn't be trying to collect .......or did they sell it....and are still trying to collect both ways.....never know with these shady collectors. Or they may be trying to cover their A$$es in case you file a legal action against them for either trying to collect on a debt that's past SOL or something else. Then they can state ohhhhh nothings reporting. Either way it stinks... Always DV first with everything.
06-09-2009 07:54 PM
So if I DV will that keep this off my CR? That's my main concern. I will pay it if I have to, but only if it remains OFF my CR!
File a Cease and Desist letter and DV to the CA that should keep it off your files for awhile till you can work out an agreement with said Creditor. Never deal with a CA always deal with the original creditor. Always respond as soon as it comes DV with a cease and desist letter, that should keep anything from being posted, because if they post it they can end up in hot water and you can sue them for violations under FDCPA. I think i hit everything or most if not other can chime in.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.