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Anyone Else Experience This?

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Anonymous
Not applicable

Re: Anyone Else Experience This?

Hi,
 
Sorry about your troubles, maybe these will help:
 
 
 
 
 
The type of re-aging you are referring to is illegal.  Hopefully you have print out of your 2005 CRs for proof.
 
Hope these threads help you some.
 
 
--trini
Message 11 of 17
Anonymous
Not applicable

Re: Anyone Else Experience This?

I just went back through my credit reports that I had saved and copied and these two CA I have proof that they changed the reporting date. I have myfico reports from all three CR agencies from June 13th and they have different report dates than the CR I have now. So this shows that they did indeed update the report dates after I DV'd them.
My question is, where do I go from here?
Message 12 of 17
ah32
Frequent Contributor

Re: Anyone Else Experience This?

Bastards.  I'm ready to change my phone number.  Why, oh why, did I ever put my phone number on my credit reports??
Message 13 of 17
Anonymous
Not applicable

Re: Anyone Else Experience This?



@Anonymous wrote:
I just went back through my credit reports that I had saved and copied and these two CA I have proof that they changed the reporting date. I have myfico reports from all three CR agencies from June 13th and they have different report dates than the CR I have now. So this shows that they did indeed update the report dates after I DV'd them.
My question is, where do I go from here?





Just a question, and maybe I missed it earlier in the thread.

When you say they re-aged the accounts, are you talking about the date reported on you Credit Reports?

If so, this has nothing to do with the DOFD or DOLP. One of which is used to determine both the SOL for being sued, and/or the length of time it can remain active on your credit report.

I would suggest that you call the CRA's and find out the DOFD/DOLP on these accounts. Now if these have been changed, then you have a legal issue here that you should pursue as far as you can afford.

REMEMBER, GET IT IN WRITING. Do not acknowledge anything with the CAs on the phone, and if you are in a one party state, record your calls. Even if not in a one party state, record your calls, you just have to warn them you are recording.

Noah, TNWM or Tuscani sound right to you?
Message 14 of 17
bsteelhammer
Member

Re: Anyone Else Experience This?

Relax, the "Reported Date" is not the date used for aging an account. While it can have some effect on your score (by making it appear as if the collection is more recent) it should have no effect on the date the account will be deleted.
 
 
Message 15 of 17
Anonymous
Not applicable

Re: Anyone Else Experience This?

No. They reported the same account as a new collection and now instead of it coming off in 2008 it is now listed to come off in 2013.
Message 16 of 17
Anonymous
Not applicable

Re: Anyone Else Experience This?

Sounds like a violation of the law to me. They cannot reage the account legally.

Not sure what advice to give from here, but sounds like you should have them on a violation.

Maybe a Credit Lawyer will take the case on contingincy (sp?)

I would pursue this, as it is so very wrong.

Maybe one of the more experienced folks here like Noah, Midnight, TNWM, Tuscani can point you on from here.

I'm David, and I am a FICO-aholic
Message 17 of 17
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