HappyDays wrote:
MeganML84 wrote:
JennLewis wrote:
Hi Megan,
I'm not a mod, but I have a suggestion.
If the CA is reporting to a credit bureau, the burden of proof is on the CA to prove that what they are reporting is accurate. They can't find the information in their current system, so rather than pay money and spend time on trying to find out the information, they're trying to trick you into giving the information to them for free and in no time flat. (Note: The only thing that you should give them is an account number that they're referencing on the report).
Once you give them your personal information, what they'll do is look at their original lists that they received from their "clients" {the OCs from whom they purchased the bad debt} to try to find your record. The original lists will contain your personal information.
Don't do the verification legwork for the CA. Here's what I would do: dispute it with the CRA that's reporting the entry. When you dispute the entry, send a copy of the letter (keep the original) from the CA as "proof" that this is "not yours".
Message Edited by JennLewis on
09-14-2007 07:12 AM
Hey Jenn--Thanks for the response!
I figured they were trying to trick me into giving them info (which I will not do) as I already gave them the account number that was on my credit report.
I guess I will just send a dispute to EQ and hope that the TL gets deleted.
Thanks for your response and any others would be appreciated!
P.S Should I send my dispute letter to Equifax CMRRR?
Message Edited by MeganML84 on
09-14-2007 01:09 PM
Megan what is your SOL????????
I posted earlier in this thread that I do not know if my SOL is 3 years or 10 years for this matter--if I have to wait 4 more years for this thing to fall off, and then possibly wait another 3 I will be really upset. Here is the response I posted earlier:
Well the account is from rent that my old roommates didnt pay (long story). I checked the sites around here that give time-frames for SOL and I couldn't tell if it was 3 years or 10 years. But I want this stupid TL OFF my report, I don't really want to be sued but I figured I had a better chance with a PFD at 60% settlement. The original amount is $680, I offered $408. I dont know why they would sue me for an extra $270 but I wouldnt put it past them. If they don't agree to the PFD I am going to request DV and dispute as "Not mine".
I live in SC btw...
Edited to add: I do not have time to go sorting through piles of SC's legal mumbo-jumbo regarding SOL. I tried checking the websites that have been referenced in this forum and all I found was 3 years and 10 years SOL. I could not find a debt that was similiar to mine and a corresponding SOL. At this point, I have already sent PFD and was told I was not in their system. This tells me CA doesn't WANT to spend time and money looking for my records so why would they spend time and money suing me in court?
Message Edited by MeganML84 on
09-14-2007 10:05 PM
