topic Re: What proof I got? in Rebuilding Your Credit

What proof I got?

Anonymous — Thu, 06 Aug 2009 01:42:06 GMT

I got a question, if lets say if the collection agencies reports me again to my credit report even if it fell off because it has been more than 7.5 years, what proof to I have that the account they are reporting is the same account that fell off a few month ago because it has been in my credit report for over 7.5 years. I try to find a old credit report but I had no luck there. I know guiness has advice me very well that they can't do that. But is there a possibility some companies tries to be smart and reports it either ways? How can I or my credit report agencies know is the same account that was there a few month ago but they took it off cause it was there for over 7.5 years?

Re: What proof I got?

RobertEG — Thu, 06 Aug 2009 05:16:42 GMT

File a dispute with the CRA as follows:

“This is a dispute under FCRA 611(a) of the accuracy of information included in my credit file, and continuing to be reported by you, as the credit reporting agency.

“My dispute relates to prior debt reported by the original creditor (name). The date of first delinquency, and thus the mandatory FCRA compliance date, according to my records, is more than 7 ½ years from today. You have that date in your records as my FCRA Compliance Date, and ask that you include this as part of your reinvestigation requirements under FCRA 611(a).

"Your credit reports continue to include a collection account under the name of (name), which is prohibited at this point under FCRA 605(c) beecause more than 7 1/2 years have expired from the DOFD that is in your files.

“I request that you investigate, under FCRA 611(a), the continued reporting of this collection account beyond expiration of the statutory period set forth in FCRA 605(c)(1).

Message Edited by RobertEG on 08-05-2009 10:16 PM

Re: What proof I got?

Anonymous — Thu, 06 Aug 2009 15:20:06 GMT

I am guessing does are option of what to put in the letter, like for example in option 2 if I don't have the date of the first delinquency and the FRCA compliance date then I can use one or the other correct?

Re: What proof I got?

BungalowMo — Thu, 06 Aug 2009 16:32:19 GMT

@Anonymous wrote:
I am guessing does are option of what to put in the letter, like for example in option 2 if I don't have the date of the first delinquency and the FRCA compliance date then I can use one or the other correct?

Actually, it looks like this is the entire letter that you send. You fill in the name of the CA where he has (name)

Where he has:

“My dispute relates to prior debt reported by the original creditor (the name of the original company you owed goes here). The date of first delinquency, and thus the mandatory FCRA compliance date, according to my records, is more than 7 ½ years from today. You have that date in your records as my FCRA Compliance Date, and ask that you include this as part of your reinvestigation requirements under FCRA 611(a).

That blue section is stating that the CRA has the old info on your old, deleted account. While it is no longer public info on your report, it is still in your file and they can use that old date (DOFD) as a reference against this new, bogus date.

Use Roberts letter....he's not going to steer ya wrong!!!

Message Edited by BungalowMo on 08-06-2009 12:32 PM

Re: What proof I got?

Anonymous — Thu, 06 Aug 2009 17:14:36 GMT

Great help, I was worried seen I don't have any old credit report or nothing that reflect the drop off date. But I am feeling much better knowing that even dough it doesn't show on my credit report doesn't mean they don't have a record of it from before and they can just get that old record and go by that date. Well thanks again for the great help and thanks for the letter Robert.