topic Re: Already paid some to a junk debt buyer... in General Credit Topics https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3680#M2174 <DIV>Paying "should" not reset the clock.. but it happens. Find out from the 3 cra's when date of first delinquency was.<BR /><BR />Creditors&nbsp;will put different open date on your reports to make it look worse. Something to do with when the account was open with them. The&nbsp;DOFD has to stay the same, or that is reaging.</DIV> Tue, 24 Apr 2007 12:39:24 GMT Tuscani 2007-04-24T12:39:24Z Already paid some to a junk debt buyer... https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3171#M1877 What are my options if I have already paid a junk debt buyer? I have read conflicting statements. One side says the SOL starts over if I pay them, other people say my SOL date remains what it was. Basically, should I finish paying these people off or let it go? Thu, 19 Apr 2007 22:16:58 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3171#M1877 Anonymous 2007-04-19T22:16:58Z Re: Already paid some to a junk debt buyer... https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3193#M1896 <DIV>If it is over 7 1/2 years old DO NOT PAY!&nbsp; You're flushing your hard earned&nbsp;money down the toilet.&nbsp; It cannot legally be placed on your CR if it is over that age.&nbsp; However, if you made a&nbsp;payment <STRONG>before</STRONG> the 7 1/2 years had expired, that <EM>could</EM> be a different story.&nbsp; I'm not well versed in the re-aging process.&nbsp; I've heard conflicting information about that myself.</DIV> Fri, 20 Apr 2007 02:11:04 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3193#M1896 Anonymous 2007-04-20T02:11:04Z Re: Already paid some to a junk debt buyer... https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3204#M1906 It's not past the 7.5 years, but it is well past the 3 year statute of limitations. And I've already paid some. Can I tell them that it is past the statute of limitations? Fri, 20 Apr 2007 05:03:22 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3204#M1906 Anonymous 2007-04-20T05:03:22Z Re: Already paid some to a junk debt buyer... https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3634#M2152 <DIV>I don't know if making a payment resets the SOL or not.&nbsp; Maybe someone else could answer that for you.</DIV> Tue, 24 Apr 2007 00:42:58 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3634#M2152 Anonymous 2007-04-24T00:42:58Z Re: Already paid some to a junk debt buyer... https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3679#M2173 <DIV>What state are you in?</DIV> Tue, 24 Apr 2007 12:35:32 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3679#M2173 Tuscani 2007-04-24T12:35:32Z Re: Already paid some to a junk debt buyer... https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3680#M2174 <DIV>Paying "should" not reset the clock.. but it happens. Find out from the 3 cra's when date of first delinquency was.<BR /><BR />Creditors&nbsp;will put different open date on your reports to make it look worse. Something to do with when the account was open with them. The&nbsp;DOFD has to stay the same, or that is reaging.</DIV> Tue, 24 Apr 2007 12:39:24 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3680#M2174 Tuscani 2007-04-24T12:39:24Z Re: Already paid some to a junk debt buyer... https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3700#M2188 I'm in Arizona Tue, 24 Apr 2007 17:01:52 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3700#M2188 Anonymous 2007-04-24T17:01:52Z Re: Already paid some to a junk debt buyer... https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3715#M2195 <DIV></DIV><DIV><BR /><BLOCKQUOTE><DIV><HR />Flagstaff wrote:<BR />I'm in Arizona<BR /><HR /></DIV></BLOCKQUOTE><BR /><DIV>Check out <A target="_blank" href="http://www.whychat.5u.com/States/states.html">http://www.whychat.5u.com/States/states.html</A></DIV></DIV> Tue, 24 Apr 2007 20:17:48 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Already-paid-some-to-a-junk-debt-buyer/m-p/3715#M2195 Tuscani 2007-04-24T20:17:48Z