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OC cannot verify

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fight2win
Member

OC cannot verify

Down to the last baddie... I contacted the OC of an account that has been verified repeatedly by all three CRs.  I contacted the OC (emailed the CEOs) and they responded that they could not locate.  A local agent left a voice mail asking me to contact for additional assistance.  Before I return the call, I want to make sure I should talk to them directly versus in writing.  This is an OLD account that should have fallen off this year, but has been reaged due to a merger.  Looking for advise.

Message 1 of 4
3 REPLIES 3
IOBA
Senior Contributor

Re: OC cannot verify

Wow.  I would think that if they can not verify, it's time to send them a letter for deletion.

 

If you have other information/proof of DOFD, you could dispute directly with the CB. 

Message 2 of 4
Anonymous
Not applicable

Re: OC cannot verify

Is the account paid? Beyond SOL?

 

 

Message 3 of 4
RobertEG
Legendary Contributor

Re: OC cannot verify

Merger of the old account cannot reset the CR falloff date.  There is no such thing as reaging the date of a prior account delinquency with the OC.

Individual delinquencies with the OC fall at 7 years from their dates.  A CO reported by the OC must fall at 7 1/2 years from the DOFD with the OC.  These dates are fixed, and cannot be reset.

I suggest you deternine date of each prior account delinquency, and if a CO was reported, the DOFD, before you do anything else.

Message 4 of 4
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