topic Re: Error in reporting collection in Rebuilding Your Credit

Error in reporting collection

Anonymous — Fri, 16 Jan 2009 17:34:23 GMT

Below is what is showing up on my Credit Check Total account for a collection. Is there anyway I can contest the date opened? All of my other reports do not have a date opened. I've deleted the balance, account number, etc. Any help is greatly appreciated.

Account Number:

Acct Type:

Open Account

Acct Status:

Monthly Payment:

Date Open:

1/1/0001

Balance:

Terms:

High Balance:

Limit:

Past Due:

Payment Status:

At least 120 days or more than four payments past due

Comments:

COLLECTION ACCOUNT

Re: Error in reporting collection

Anonymous — Fri, 16 Jan 2009 17:41:15 GMT

If this is reported by a CA then the date opened is the date that they (CA) was assigned or bought the account.

If this is a CA is the OC reporting? If yes then be sure to keep hard copies from all 3 CBs because they will show the correct DOFD/DOLA.

If a CA reports a date open 2001....it is past CRTP and should not be reported!!!

If a CA starts reporting and try to re-age the account the copies of CR are your proof.

Message Edited by HappyDays on 01-16-2009 09:41 AM

Re: Error in reporting collection

Anonymous — Fri, 16 Jan 2009 17:41:14 GMT

This is the CA reporting and the OC is scheduled to fall off later this month. Does this help my case at all?

Re: Error in reporting collection

Anonymous — Fri, 16 Jan 2009 17:43:53 GMT

YES!!! the CA must drop at the same time. If the DOFD was in 2001 then it should have deleted in 2008.

I would dispute it