topic Re: Wrong dates from CA?! in Rebuilding Your Credit

Wrong dates from CA?!

LoriB2022 — Fri, 08 Apr 2022 19:30:15 GMT

So maybe I'm not suppose to dispute with Experian's online service, but I did anyways. It came back like 3 days later with verifications by the CA with dates of 02/2022.... Um, this is 4 years old NOT 2 months old!!! It makes it look brand-spanking new when it's not. All the way at the bottom is states Date of Discharge: Feb 2025. Plus, I'm not trying to PFD or anything... it's $8k. Nobody got time for that!

So let me ask the obvious... WHAT DO I DO?

The OC is still on my reports and now I have a CA with the same debt. Can they list twice like that? Can I dispute another way?

HELP ME?!?! Please and thank you. :-)

Re: Wrong dates from CA?!

dragontears — Fri, 08 Apr 2022 19:38:41 GMT

@LoriB2022 wrote:
So maybe I'm not suppose to dispute with Experian's online service, but I did anyways. It came back like 3 days later with verifications by the CA with dates of 02/2022.... Um, this is 4 years old NOT 2 months old!!! It makes it look brand-spanking new when it's not. All the way at the bottom is states Date of Discharge: Feb 2025. Plus, I'm not trying to PFD or anything... it's $8k. Nobody got time for that!

So let me ask the obvious... WHAT DO I DO?

The OC is still on my reports and now I have a CA with the same debt. Can they list twice like that? Can I dispute another way?

HELP ME?!?! Please and thank you. :-)

There are several dates associated with collection accounts

Date opened: the date the CA got collection authority

Date last reported/updated: the date the last time the CA was updated, when you dispute a CA this date WILL ALWAYS change and this is where a CA account looks like a "fresh" CA to the scoring algorithm.

Date of first default: this date is set and is transferred from the OC.

Which date are you referring to?

To answer your other question, yes the OC and a CA can be on your reports at the same time.

Re: Wrong dates from CA?!

LoriB2022 — Fri, 08 Apr 2022 20:00:02 GMT

There are several dates associated with collection accounts
Date opened: the date the CA got collection authority
Date last reported/updated: the date the last time the CA was updated, when you dispute a CA this date WILL ALWAYS change and this is where a CA account looks like a "fresh" CA to the scoring algorithm.
Date of first default: this date is set and is transferred from the OC.

Which date are you referring to?

To answer your other question, yes the OC and a CA can be on your reports at the same time.

So it reads...

Date opened: 1/27/22

Date of last update: 4/7/22

It shows 2 months of CO on payment history.

Date of discharge: 2/2025 (4yrs, 2months old)

FYI... I was wrong, the OC is gone.

I guess I should just chill the hell out then... What can I do really? Can I do an old fashioned manual dispute and hope they foul it all up so it gets dropped? Shrugs.

Re: Wrong dates from CA?!

dragontears — Fri, 08 Apr 2022 20:07:29 GMT

@LoriB2022 wrote:
There are several dates associated with collection accounts
Date opened: the date the CA got collection authority
Date last reported/updated: the date the last time the CA was updated, when you dispute a CA this date WILL ALWAYS change and this is where a CA account looks like a "fresh" CA to the scoring algorithm.
Date of first default: this date is set and is transferred from the OC.

Which date are you referring to?

To answer your other question, yes the OC and a CA can be on your reports at the same time.
So it reads...
Date opened: 1/27/22
Date of last update: 4/7/22
It shows 2 months of CO on payment history.
Date of discharge: 2/2025 (4yrs, 2months old)
FYI... I was wrong, the OC is gone.

I guess I should just chill the hell out then... What can I do really? Can I do an old fashioned manual dispute and hope they foul it all up so it gets dropped? Shrugs.

Since they just validate the information the odds of them not responding to a second dispute is near 0 especially as this is unpaid and may or may not be in SOL for legal action.

Re: Wrong dates from CA?!

LoriB2022 — Fri, 08 Apr 2022 20:20:38 GMT

Since they just validate the information the odds of them not responding to a second dispute is near 0 especially as this is unpaid and may or may not be in SOL for legal action.

Dang. I have about $23k in bad debt stretched across 4 collections. 3 of them fall off in a year or less. So I'm super stoked about that, but this last one has further to go. The $8k was for an old apartment lease in FL. Now that I think about it... I only owe for 2 months since I cancelled the lease, so more like $3k NOT $8k. The $ amount sounds super iffy now....hmm?

My go to has always been to pester the hell out of them until their like "fine! go away!" I may just do that since they're coming up against the SOL for a written contract in FL.

Re: Wrong dates from CA?!

dragontears — Fri, 08 Apr 2022 20:28:45 GMT

@LoriB2022 wrote:
Since they just validate the information the odds of them not responding to a second dispute is near 0 especially as this is unpaid and may or may not be in SOL for legal action.
Dang. I have about $23k in bad debt stretched across 4 collections. 3 of them fall off in a year or less. So I'm super stoked about that, but this last one has further to go. The $8k was for an old apartment lease in FL. Now that I think about it... I only owe for 2 months since I cancelled the lease, so more like $3k NOT $8k. The $ amount sounds super iffy now....hmm?

My go to has always been to pester the hell out of them until their like "fine! go away!" I may just do that since they're coming up against the SOL for a written contract in FL.

Just a word of caution, if the SOL is not expired "pestering the hell out of them" could result in them filling a lawsuit instead of "forgetting" about an 8k debt.

Re: Wrong dates from CA?!

LoriB2022 — Fri, 08 Apr 2022 20:37:26 GMT

Just a word of caution, if the SOL is not expired "pestering the hell out of them" could result in them filling a lawsuit instead of "forgetting" about an 8k debt.

True. I may let it go until the end of the year and then hit'em again. In the meantime, I'm putting in the work to make a strong comeback. I HATE debt, I HATE not having great credit... but you need a balance of both in this life. I don't like owing anyone anything. This is the 2nd time I've had to make a credit comeback, but the game has changed in the last 17years. Hell, MYFico.com was in it's infancy back then. Creditboards.com was the place to be.

Thanks for everything my friend!