https://ficoforums.myfico.com/t5/General-Credit-Topics/Here-s-a-question/m-p/95853#M54913 <DIV></DIV><DIV></DIV><DIV><BR /></DIV><BLOCKQUOTE><DIV><HR />tknkrov wrote:<BR /><DIV>If the OC has a date of first deluinquency of 2001 and there is a collection asociated with the account when it drops of in 2008 does or should the collection as well? Maybe this has been asked before so sorry if it is a repeat. I have disputed the CA 3 times with no luck and the OC doesn't have it in their system that it was in collections, I paid them as they sent it to collections. They tell me they can't help me beause they don't see it and I have to dispute with CA, which I have. Anyway should I just wait and see if it comes off in 08 or keep working on it?</DIV><BR /><HR /></DIV></BLOCKQUOTE><DIV>Who did you pay the OC or the CA???&nbsp; Do you still have the cancelled check? Is the OC still reporting?&nbsp; Did you send a DV to the CA??</DIV><DIV>&nbsp;</DIV><DIV>If the OC doesn't have it in their system they MIGHT have sold it to the CA. and it should show...transfered or sold........the OC sets the DOFD and a CA can not change it!!</DIV><DIV>&nbsp;</DIV><DIV>Did you dispute the OC??&nbsp; If they can't find the account in their system they can NOT varify it with the CRAs.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; IF you have a CR of the oc showing a drop date in 2008 make sure that you have a hard copy and DO NOT LOSE IT!!!</DIV><DIV>&nbsp;</DIV><DIV>Send a DV to the CA&nbsp;&nbsp; asking for compleate account history along with usual things. They must answer it within 30 Days or stop reporting.&nbsp; CMRRR!!!!!</DIV><DIV>&nbsp;</DIV><DIV>Dispute the OC.....if this comes back verified&nbsp;&nbsp;&nbsp; send a MOV&nbsp; CMRRR to the CRAs&nbsp; and at the same time send a letter to the OC&nbsp; asking for complete account history!&nbsp; If they don't have it they must stop reporting.</DIV><DIV>&nbsp;</DIV><DIV>You might get lucky &amp; they both drop now</DIV><DIV>&nbsp;</DIV><DIV>Do not sign the DV&nbsp; just type your name.&nbsp; CMRRR<BR /></DIV><DIV></DIV><BR /><BR />Message Edited by HappyDays on <SPAN class="date_text">11-11-2007</SPAN> <SPAN class="time_text">10:55 PM</SPAN> Mon, 12 Nov 2007 06:55:11 GMT Anonymous 2007-11-12T06:55:11Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Here-s-a-question/m-p/95822#M54900 <DIV>If the OC has a date of first deluinquency of 2001 and there is a collection asociated with the account when it drops of in 2008 does or should the collection as well? Maybe this has been asked before so sorry if it is a repeat. I have disputed the CA 3 times with no luck and the OC doesn't have it in their system that it was in collections, I paid them as they sent it to collections. They tell me they can't help me beause they don't see it and I have to dispute with CA, which I have. Anyway should I just wait and see if it comes off in 08 or keep working on it?</DIV> Mon, 12 Nov 2007 04:25:05 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Here-s-a-question/m-p/95822#M54900 tknkrov 2007-11-12T04:25:05Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Here-s-a-question/m-p/95853#M54913 <DIV></DIV><DIV></DIV><DIV><BR /></DIV><BLOCKQUOTE><DIV><HR />tknkrov wrote:<BR /><DIV>If the OC has a date of first deluinquency of 2001 and there is a collection asociated with the account when it drops of in 2008 does or should the collection as well? Maybe this has been asked before so sorry if it is a repeat. I have disputed the CA 3 times with no luck and the OC doesn't have it in their system that it was in collections, I paid them as they sent it to collections. They tell me they can't help me beause they don't see it and I have to dispute with CA, which I have. Anyway should I just wait and see if it comes off in 08 or keep working on it?</DIV><BR /><HR /></DIV></BLOCKQUOTE><DIV>Who did you pay the OC or the CA???&nbsp; Do you still have the cancelled check? Is the OC still reporting?&nbsp; Did you send a DV to the CA??</DIV><DIV>&nbsp;</DIV><DIV>If the OC doesn't have it in their system they MIGHT have sold it to the CA. and it should show...transfered or sold........the OC sets the DOFD and a CA can not change it!!</DIV><DIV>&nbsp;</DIV><DIV>Did you dispute the OC??&nbsp; If they can't find the account in their system they can NOT varify it with the CRAs.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; IF you have a CR of the oc showing a drop date in 2008 make sure that you have a hard copy and DO NOT LOSE IT!!!</DIV><DIV>&nbsp;</DIV><DIV>Send a DV to the CA&nbsp;&nbsp; asking for compleate account history along with usual things. They must answer it within 30 Days or stop reporting.&nbsp; CMRRR!!!!!</DIV><DIV>&nbsp;</DIV><DIV>Dispute the OC.....if this comes back verified&nbsp;&nbsp;&nbsp; send a MOV&nbsp; CMRRR to the CRAs&nbsp; and at the same time send a letter to the OC&nbsp; asking for complete account history!&nbsp; If they don't have it they must stop reporting.</DIV><DIV>&nbsp;</DIV><DIV>You might get lucky &amp; they both drop now</DIV><DIV>&nbsp;</DIV><DIV>Do not sign the DV&nbsp; just type your name.&nbsp; CMRRR<BR /></DIV><DIV></DIV><BR /><BR />Message Edited by HappyDays on <SPAN class="date_text">11-11-2007</SPAN> <SPAN class="time_text">10:55 PM</SPAN> Mon, 12 Nov 2007 06:55:11 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Here-s-a-question/m-p/95853#M54913 Anonymous 2007-11-12T06:55:11Z