Charged off account not showing on CR

Anonymous · ‎03-12-2008

There was a First Financial Bank account that was opened in my name by a family member in 1996,

without my permission, and I never paid it. The debt was written off in 2003, and not showing on my credit report since then. Today I am getting a collection letter from a Law Office trying to collect on the debt. What should I do? Should I just wait until the sol has expired? Can this be added back to my credit reports now if I do not respond? Please help!

Anonymous · ‎03-12-2008

What kind of account was it? what is your SOL do you have copies of old CR showing DOFD DOLA?

ngerasimatos · ‎03-12-2008

Did you file a police report?

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llecs · ‎03-12-2008

A CA can still engage in collection activities even if the 7 yrs for CRTP expired and SOL expired. They just can't sue.

Anonymous · ‎03-12-2008

This is a credit card account. I have an old Experian cr that says dos is 11/98 and the last reported date is 9/03. I never filed a police report and my sol is 7 years.

Anonymous · ‎03-12-2008

what state are you in?? and what is dos? date of ??

Message Edited by HappyDays on 03-12-2008 08:09 PM

Anonymous · ‎03-12-2008

Actually I was referring to the 7 year reporting. Sorry about that. I am in Ohio.

Anonymous · ‎03-12-2008

llecs wrote:

A CA can still engage in collection activities even if the 7 yrs for CRTP expired and SOL expired. They just can't sue.

To be clear, they can still sue if they are outside of SOL, and if you don't show up, they will get a default judgment. If you do show up, however, you have SOL statutes as an affirmative defense.

The SOL statutes don't prevent them from suing. They just prevent them from winning, IF you are there to fight it.

Anonymous · ‎03-12-2008

from old experian report, says date of status is 11/98. doesn't say date of last activity.

Anonymous · ‎03-12-2008

ok that was 5 years ago........is it typed in anywhere will remain on CR until month/year?? Does it show or tell date of first default?

SOL is 6 years I would send a DV do not sign it just type your name.

send it CMRRR to the name and address from the letter.

Message Edited by HappyDays on 03-12-2008 08:18 PM

Message Edited by HappyDays on 03-12-2008 08:19 PM