topic Re: 1998 Collection still reporting in 2010...need help! in Rebuilding Your Credit

1998 Collection still reporting 2010..Need help!

Anonymous — Fri, 16 Apr 2010 23:41:08 GMT

Hello Everyone, Im new to the site and Im trying to get my credit score higher... and I would like to thank everyone in advance for any advice given.

Here is my situation I have an old cable bill , that went to collections in 1998 and it is still reporting on my credit report in 2010.

the following is what is showing up on my fico report

Cox Cable

Status: unpaid

Date assigned: Feb. 1 ,2005

Date reported: Apr 1, 2010

Date date last active: Jan 1, 2005

what would be the best way to handle this matter....

thanks!

Jesse

Re: 1998 Collection still reporting in 2010...need help!

Anonymous — Fri, 16 Apr 2010 23:42:06 GMT

Hi and welcome to the forums.

Which CRA is it reporting on and is there a DoFD listed?

You may need to go to https://www.annualcreditreport.com/cra/index.jsp and pull a free copy of all your reports from each CRA. These will give you much more detail

than a 3rd party site.

See if the reports tell you a date of removal.

I would say dispute it with the CRAs as being too old but, I want to see how it is reporting first.

Re: 1998 Collection still reporting in 2010...need help!

Anonymous — Sat, 17 Apr 2010 00:35:14 GMT

Thanks for the link....much more info.

The only one it is showing up on is EXUIFAX

Date reported 4/2010

Date assigned 2/2005

Creditor Classification: cable/cellular

Amount owed: $136

Date of 1st Delinquency: 01/2005 (which is strange since it is a 1998 account????)

Balance Date: 04/2010

Last late payment date: N/A

Status Date: 04/2010

Status D- unpaid

This is what it says...does not show a removal date.

thanks!

Re: 1998 Collection still reporting in 2010...need help!

Schoolbuskid — Sat, 17 Apr 2010 00:39:38 GMT

Have you paid anything on this account? Do you have any old reports that might help your cause? Seems like the CA may have kept re-aging the account!

Re: 1998 Collection still reporting in 2010...need help!

LIGHTNIN — Sat, 17 Apr 2010 00:42:24 GMT

When you say it a 1998 account.....Are you saying that's when you opened the account with Cox Cable?

Re: 1998 Collection still reporting in 2010...need help!

Anonymous — Sat, 17 Apr 2010 00:46:42 GMT

Yes I think your right about the re-aging....not sure what I can do about it.

I havent paid anything on it yet.

I have heard that paying it could keep it on my report longer. ( im not sure... Im new to this)

thanks!

Re: 1998 Collection still reporting in 2010...need help!

Anonymous — Sat, 17 Apr 2010 00:50:38 GMT

1998 is when it went to collections originally... It was a cable bill that a roommate owed...But in my name.

It keeps coming back on my report.???

Re: 1998 Collection still reporting in 2010...need help!

Schoolbuskid — Sat, 17 Apr 2010 02:09:28 GMT

Yea dont pay anything on it. what state do you live in? If its outside of SOL then i would suggest writing up a DV letter and if they delete your done, and if they validate you need to send a PFD letter!

Re: 1998 Collection still reporting in 2010...need help!

Schoolbuskid — Sat, 17 Apr 2010 02:13:08 GMT

Link for SOL

Re: 1998 Collection still reporting in 2010...need help!

Anonymous — Sat, 17 Apr 2010 02:26:57 GMT

@Anonymous wrote:
Yes I think your right about the re-aging....not sure what I can do about it.

I havent paid anything on it yet.

I have heard that paying it could keep it on my report longer. ( im not sure... Im new to this)

thanks!

No, paying it will not make it stay longer. It will fall off 7 - 7.5 years from the DoFD.

I would send the CA a DV. I would also contact the OC and find out if they still have anything on this.

Re: 1998 Collection still reporting in 2010...need help!

Anonymous — Sat, 17 Apr 2010 03:06:51 GMT

the state is Virginia and thanks for the advice!

Re: 1998 Collection still reporting in 2010...need help!

LIGHTNIN — Sat, 17 Apr 2010 05:22:10 GMT

You probably already thought of this,but I'll say it anyway.

When you contact the OC make sure to check the cable service address & account number, that it matches the cable service

that you had in 1998...........If it's not re-aged, could be id theft someone used your name for service and default in 2005.

IMO, I would also ask for proof of payment in 2005,dont know how complete records they have now,but it's worth a shot

Good Luck to you, and let us know what happened

ETA: Virginia SOL is 5yrs on written contract, your CR doesnt list a last payment. Which in most states starts the SOL.

As mention before, I would pull your Free CR's from annualcreditreport.com .....for more information.

The Free CR's you can pull every 12mos from each of the 3 CRA's.

Also I would check the Virginia laws about debt's and see if there is any resetting SOL laws.

If it were me, I would get as much info about this debt and the laws before doing anything.

Re: 1998 Collection still reporting in 2010...need help!

llecs — Sat, 17 Apr 2010 15:34:01 GMT

@LIGHTNIN wrote:

ETA: Virginia SOL is 5yrs on written contract, your CR doesnt list a last payment. Which in most states starts the SOL.

As mention before, I would pull your Free CR's from annualcreditreport.com .....for more information.

The Free CR's you can pull every 12mos from each of the 3 CRA's.

Also I would check the Virginia laws about debt's and see if there is any resetting SOL laws.

If it were me, I would get as much info about this debt and the laws before doing anything.

As a fellow Virginian, I can attest that the only thing that can reset SOL is the debtor writing a letter admitting to the debt. A payment cannot reset SOL.

OP, do you have proof that the DOFD was in 1998?

Re: 1998 Collection still reporting in 2010...need help!

Anonymous — Mon, 19 Apr 2010 15:05:59 GMT

Yes I dont have any proof of the DOFD... when I called the CA and spoke with the woman assigned to it. She said it isnt supposed to on my report and she would remove it.

It may take a month for me to see it removed.

Re: 1998 Collection still reporting in 2010...need help!

BungalowMo — Mon, 19 Apr 2010 17:31:17 GMT

Just curious...who's the CA??

***another Virginian here! Welcome to the forums! You're gonna love this place!

Re: 1998 Collection still reporting in 2010...need help!

Anonymous — Mon, 19 Apr 2010 18:44:51 GMT

Equidata they are in newport news, va......yes this site has helped alot already!

Re: 1998 Collection still reporting in 2010...need help!

Anonymous — Sat, 24 Apr 2010 01:55:19 GMT

First I want to thank everyone for there help and advice....here is the update on the situation...i contacted the CA and informed them that it was an old account...and they removed it and I asked them to send me a confirmation letter that it was removed...and they did.

So thanks everybody!