topic Re: Question for the credit swavy!! (about collection delete) in General Credit Topics

Question for the credit swavy!! (about collection delete)

Anonymous — Wed, 20 Feb 2008 22:14:01 GMT

Hi there all,

I asked this question before and I didnt get a response so here it goes again.

OK i disputed a collection with two of the agencies and one decided to keep it and the other removed it. My question is what happens now? Will it be removed at all of them or stay the same? What should I do now?

Re: Question for the credit swavy!! (about collection delete)

Junejer — Wed, 20 Feb 2008 22:16:16 GMT

As the CRAs do not share information (they are competitors), it won't be removed unless you take action to have it removed.

Is the collection past SOL for you?

Re: Question for the credit swavy!! (about collection delete)

Anonymous — Wed, 20 Feb 2008 22:31:57 GMT

The debt is from june 2004 from nevada bell. The debt was paid and I had talked with them at that time and was told it would be removed. When i checked my report 4 months or more later it still showed as unpaid and was still on file. so i called and talked to the collection agency who said i had to dispute it with the credit agencies because they had already sent out the info a long time ago. Now TU has removed it and exsperian said it would remain.

Re: Question for the credit swavy!! (about collection delete)

Anonymous — Wed, 20 Feb 2008 22:32:30 GMT

how do i find out the sol in nevada?

Re: Question for the credit swavy!! (about collection delete)

Junejer — Wed, 20 Feb 2008 22:41:29 GMT

@Anonymous wrote:
The debt is from june 2004 from nevada bell. The debt was paid and I had talked with them at that time and was told it would be removed. When i checked my report 4 months or more later it still showed as unpaid and was still on file. so i called and talked to the collection agency who said i had to dispute it with the credit agencies because they had already sent out the info a long time ago. Now TU has removed it and exsperian said it would remain.

Did you get any of that in writing from the CA? If not, go back to them and ask them to keep their word, this time in writing.

Re: Question for the credit swavy!! (about collection delete)

Junejer — Wed, 20 Feb 2008 22:43:49 GMT

http://www.bankrate.com/brm/news/cc/20040116b2.asp?caret=8

Re: Question for the credit swavy!! (about collection delete)

Anonymous — Wed, 20 Feb 2008 22:51:19 GMT

Did you get any of that in writing from the CA? If not, go back to them and ask them to keep their word, this time in writing.

I tried that first. See months after i paid it, it was still on my credit report showing as not paid. So i called and she told me that they had already sent the information to the credit agencies and I needed to dispute it with them. So that is what i did

Re: Question for the credit swavy!! (about collection delete)

Anonymous — Wed, 20 Feb 2008 23:03:53 GMT

ok im confused about the SOL thing. two questions here. First does the Sol count for where i when i take the debt or where they send me the bills from? Second what would a phone bill be considered as? Written contracts Oral contracts Promissory notes Open accounts (including credit cards

Re: Question for the credit swavy!! (about collection delete)

Junejer — Wed, 20 Feb 2008 23:04:09 GMT

Okay, but they are not keeping their word, b/c it is coming back verified. They need to know that, so you need something in writing.

Re: Question for the credit swavy!! (about collection delete)

Junejer — Wed, 20 Feb 2008 23:06:29 GMT

SOL from where you lived when you incurred the debt and where you currently live. I would say a phone bill is an open account (but interpreting some of these gives me trouble some times). Someone with better knowledge of this will chime in soon.

Re: Question for the credit swavy!! (about collection delete)

Anonymous — Wed, 20 Feb 2008 23:09:18 GMT

Debt was in Nevada but i live in New jersey now. I guess then i should call them again and ask for something in writing but she didnt seem willing to do it when i talked wih her. Maybe someone else will be more helpful

Re: Question for the credit swavy!! (about collection delete)

Junejer — Wed, 20 Feb 2008 23:13:03 GMT

Are you out of SOL?

Re: Question for the credit swavy!! (about collection delete)

Anonymous — Wed, 20 Feb 2008 23:29:46 GMT

Re: Question for the credit swavy!! (about collection delete)

Anonymous — Wed, 20 Feb 2008 23:33:56 GMT

i am confused as to what kind of contract it would be considered? It was a home phone line in nevada with nevada bell. SOL in nevada is

written contract 6

oral contract 4

promissary note 3

open accounts 4

Debt was from june 04 from nevada

I live in New Jersey now and that is

written contract 6

oral contract 6

promissary 6

open accounts 6

Message Edited by amandarose1977 on 02-20-2008 03:30 PM

Message Edited by amandarose1977 on 02-20-2008 03:33 PM

Re: Question for the credit swavy!! (about collection delete)

sh9730 — Wed, 20 Feb 2008 23:39:29 GMT

The SOL shouldnt apply here, IF this was truly paid as the OP said in the beginning. Do you have proof of payment? What you ll need to do next is DV the OC and start that whole process to get it removed.

Now, the DOFD is important as that will be the 7 year start date for reporting on your CR. But if you ve paid it, AND can show that, then who cares about the SOL?

Re: Question for the credit swavy!! (about collection delete)

Anonymous — Wed, 20 Feb 2008 23:51:31 GMT

Now, the DOFD is important as that will be the 7 year start date for reporting on your CR. But if you ve paid it, AND can show that, then who cares about the SOL?

------------------------------------------------------------------------------------------------------------

Why does the sol not apply here if it is paid? Yes i did get a letter saying that it was paid from them. When i write a DV do i write it to the Original Collector or Original Creditor? DOFD I really dont know when that was as this account was from my father using my name for a phone line. I know that it says june 1 2004 as the date assigned and also still reports as unpaid at one credit agency deleted at another and remains as paid on another

Message Edited by amandarose1977 on 02-20-2008 03:51 PM

Re: Question for the credit swavy!! (about collection delete)

Junejer — Wed, 20 Feb 2008 23:46:04 GMT

@sh9730 wrote:
The SOL shouldnt apply here, IF this was truly paid as the OP said in the beginning. Do you have proof of payment? What you ll need to do next is DV the OC and start that whole process to get it removed.

Now, the DOFD is important as that will be the 7 year start date for reporting on your CR. But if you ve paid it, AND can show that, then who cares about the SOL?

That's true sh9730, I forgot about that in all of those posts. However, you don't DV the OC, as they don't have to answer a DV. You would send the OC an OC letter that you can search for on these threads. But the discussion is about the CA that won't delete, so DV the CA and then tell them to FOAD.

Message Edited by ByrdMan on 02-20-2008 03:46 PM

Re: Question for the credit swavy!! (about collection delete)

Anonymous — Wed, 20 Feb 2008 23:55:50 GMT

I am still new here and the Abbreviations are confusing i couldnt find "OC letter" or FOAD in the list of common ones

Re: Question for the credit swavy!! (about collection delete)

Anonymous — Thu, 21 Feb 2008 04:07:46 GMT

OC = Original Creditor

FOAD = F' off and die

amandarose1977 wrote:

I am still new here and the Abbreviations are confusing i couldnt find "OC letter" or FOAD in the list of common ones

Re: Question for the credit swavy!! (about collection delete)

haulingthescoreup — Thu, 21 Feb 2008 12:12:14 GMT

Yes, you would have to create your own FOAD letter. They're too incendiary to keep in the sticky threads! good luck