topic Re: Help! New Here - Collection added that is OLD in General Credit Topics

Help! New Here - Collection added that is OLD

Anonymous — Sat, 18 Aug 2007 16:54:46 GMT

Could someone point me in the right direction on how to handle this.....

Collection agency just added this account this month 8/07 - I didn't receive anything from them and noticed it when I pulled my report. I don't even have a clue as to what this is for.... They can't do this can they... looks like a whole new account just reporting... What should be my first step? From reading I think the SOL in my state is 4 years so it is out of time...

Account Owner: Individual Account.

High Credit: $785

Type of Account : Open

Credit Limit: $0

Term Duration:

Terms Frequency:

Date Opened: n/a

Balance: $1,068

Date Reported: 08/2007

Amount Past Due: $1,068

Date of Last Payment:

Actual Payment Amount: $0

Scheduled Payment Amount: $0

Date of Last Activity: 09/2002

Date Major Delinquency First Reported: 08/2007

Months Reviewed: n/a

Re: Help! New Here - Collection added that is OLD

Anonymous — Sat, 18 Aug 2007 17:02:59 GMT

This seem illegal to me. I would DV the CA and dispute with the CRA's. If this doesn't work, I would contact your state Attorney General.

Re: Help! New Here - Collection added that is OLD

Anonymous — Sat, 18 Aug 2007 17:05:22 GMT

BTW - When you DV the CA and dispute with the CRA's do this at the same time. Send the DV certified return receipt mail and use the online dispute process at the CRA's. It seems as though this agency is trying to ruin your credit report for the next years. Also, check your states statute of limitations for this debt on the time frame the company has to sue. I am in California and it is only 4 years here.

Re: Help! New Here - Collection added that is OLD

Anonymous — Sat, 18 Aug 2007 17:58:48 GMT

Tryin2BDebtFree wrote:
Could someone point me in the right direction on how to handle this.....

Collection agency just added this account this month 8/07 - I didn't receive anything from them and noticed it when I pulled my report. I don't even have a clue as to what this is for.... They can't do this can they... looks like a whole new account just reporting... What should be my first step? From reading I think the SOL in my state is 4 years so it is out of time...

Account Owner: Individual Account.
High Credit: $785
Type of Account : Open
Credit Limit: $0
Term Duration:
Terms Frequency:
Date Opened: n/a
Balance: $1,068
Date Reported: 08/2007
Amount Past Due: $1,068
Date of Last Payment:
Actual Payment Amount: $0
Scheduled Payment Amount: $0
Date of Last Activity: 09/2002
Date Major Delinquency First Reported: 08/2007
Months Reviewed: n/a

Junk dealers will do this. Your SOL is past so they can't sue you BUT it can remain on your report until 9/2009. You can send them a DV and put in it that you know your SOL is past.

The date: 8/07 this is just the date that they reported it. It has nothing to do with the DOFA or DOFD, this never changes.

Message Edited by HappyDays on 08-18-2007 10:58 AM

Re: Help! New Here - Collection added that is OLD

Tuscani — Sun, 19 Aug 2007 18:32:52 GMT

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=2175