Is this concidered reaging?

[Anonymous]

My DH's exwifes car was repoed. A CA bought the account and filed judgement against him in 10/2003. They were both on the loan. Now on his credit report for EQ it shows as if the car was repoed in 8/2004. Which isn't correct. the judgement was in place even before that. I don't know the exact year the car was repoed but think it is around 2001-2002. Should I dispute this information or is this reaging an account? Any input will be appreciated I am not sure what to do on this one.

[Anonymous]

The Collection acct should drop 7 years after DOFD.

The Judgment should drop 7 years after Judgment is entered unless it is RENEWED.

is the Judgment paid?

[Anonymous]

No the judgement isn't paid. The judgement was obtained by a CA. The ones reporting that it was repoed in the wrong year is the OC. The judgement from the CA reports under public record and shows the judgement was obtained in 10/2003. So it's not possible for the repo to have happened in 2004 as the OC has listed.

[llecs]

I would pull the CR directly from the CRA and see what their drop off date is listed as. I believe EQ and EX both show this. See if it matches the 7 yr period.

[SmartCookie]

Does the TL for the OC have anything that says DOFD or DOLA?  Or are you saying that yes it does, the 2004 date?  Does this report differently on other CBRs? 

Have you tried to dispute the OC on your CBRs to have them update incorrect dates yet?  Could be clerical error, doesn't sound like re-aging.

[Anonymous]

On Equifax it has   

 account number XXXXXXXX7847

date opened- 6/1997

8/2004 90 days late

8/2004 repo

DOLA- 8/2004

account holder- shared

paid account/zero balance

auto

Then on TU  has

account # XXXXXXXX0697

date opened- 6/1997

DOLA - 8/2004

account- joint

charged off

I haven't disputed anything cause I am not sure what to dispute at this point...my head is spinning. There is two different account numbers, Same loan. Has the same open date and DOLA date. The TU doesn't show the repo which happened in at least 2002 or before....DH can't remember.

[SmartCookie]

Did ex wife pay anything in 2004?  Looks like something reset it.  Was judgement renewed?

The EQ and the TU... are these two CAs or one... or it does not say?

[Anonymous]

Both of these reporting are the OC  .....the CA has the judgement and no the judgement hasn't reset

I have no idea if she paid anything or not and I don't know how to find out. This was sold to a CA. Which is why I don't understand why the OC reports anything for this time. See the CA came after both of them half from her half from DH. DH is haven't a hard time dealing with paying it cause in divorce papers it clearly states she is sole owner and financially responsible for it. The CA sued he didn't respond and they got a judgement by default. We are looking into sueing her for the money but have to check on Statue of limitations for it. Not sure when that would have started.....may be too late now being the judgement was entered back in 2003. He may just have to bite the bullet and pay it.

Message Edited by oogiemoo on 10-22-2007 03:46 PM