Old Collection

[Anonymous]

On my EQ CR, there is an old All American Fitness account that was opened 7/2000 and shows a balance of $608.  The status shows as 120+ days past due.  I attempted to cancel this account back in 1999, but it reported on my CR because of a contract that I was in with them.

My question is this:  Shouldn't this be off of my credit report by now?  Is it still showing because the account status is open?  Should I, once again, dispute it with the CRA or should I do a DV with All American Fitness? 

TIA

Jan 2008: EX-486, EQ-498, TU-581

Feb 2008: EX-536, EQ-543, TU-618

Message Edited by thatgrri3 on 02-10-2008 10:30 AM

[Anonymous]

Sounds like it should be obsolete. Do you have the DOLA/DOFD? These dates can be found on reports directly from the CRAs.

[Anonymous]

It really is weird the way they have reported this account:

Other Account Allamfitne

Status as of [?] Jul, 2007 Date opened [?] Jul, 2000 Date of last activity [?] Jan, 2002 Date closed [?] Not Reported Account number [?] XXXXX3825 Loan type [?] Not Reported Credit limit [?] $900 Largest past balance [?] Not Reported Terms [?] Not Reported Account Type [?] Installment Account holder [?] Individual Scheduled payment amount [?] $25 Account status [?] Account is Open

Descriptions [?]

• Unsecured

No contact information provided by Equifax

Balance [?] Current Status [?] Past Due Amount [?] $609 120+ days past due $609 Seven year payment history [?] 30 days late 0 times 60 days late 0 times 90+ days late 3 times (Jun 2007, Jul 2005, Aug 2002) Worst Delinquency [?] 120+ days past due Recent payment history [?] 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 2005 2006 2007 Legend:   Currently paid as agreed 120 days late

Date last active

This is the month and year that activity on the account was last reported.

Payment Terms

These are the terms for payments of debt on this account. This may include the minimum payment, how often this payment must be made, and for how long payments must be made.

If you don't make payments according to these terms, then the payment status of the account will not be "current", and the "amount past due" will not be $0, which hurts your FICO® score.

Type of credit extended

This is the type of credit extended in this credit account.

Revolving:an account, usually a credit card, requiring payments of the balance periodically (usually monthly). Additional credit becomes available again when the balance is paid down.

Installment: a loan requiring regular payments (usually monthly) over an arranged period of time.

Mortgage: an installment loan used to finance purchase of a home or real estate or where your home or real estate is used as collateral.

Open (or charge): an account that must be paid in full every period (usually monthly).

They are showing this account as more than 90 days late on three occasions, one of those times being this past year.  I haven't ever paid anything on this.  I did not want to be in the contract in the first place.

So I guess since the DOLA is in 2002, it is going to be awhile yet before this comes off.  Go figure.  I don't even know what they based that DOLA on.

[Anonymous]

It reads as tho you were still paying on it in 2002. If correct, yes it will stay on your reports till '09.

I'd still get a report directly from the CRA to double check the dates.

You can contact the OC to ask for the account history.

[Anonymous]

I believe DOLA is what SOL is based on and DOFD is what the 7 years reporting time is based on. DOLA is last time you made a payment, I believe. While DOFD is the the date you first became deliquent and never caught up.

In your first post you said that the account was opened 7/2002, but later say you attempted to close it in 1999. Confused how you tried to close an account before it was opened.

You can call the credit reporting agency, Equifax in this case, and ask what the DOFD being reported is. It should remove 7 years- 7.5 years after that date, sometimes a few months before the 7 year mark.

[Anonymous]

No, it says on my credit report that the date opened was 7/2000.  The DOLA says 2002.  I thought that I got into this contract some time in 1999, but I guess it was in 2000.  I never paid ANYTHING, because I didn't want the contract.  I was trying the place out but decided I didn't want a membership.  They told me I could not back out of the contract.  I never paid ANYTHING, so I don't know where the DOLA comes from.  Is that the last time they attempted to collect?

[Anonymous]

thatgirl...nice bump from jan to feb!!!!  are those FICO or FAKO and what did you do to get those nice bumps? 

[Anonymous]

You must pull your CR     im guessing that if this is on your CR  it is being reported by a CA (junk collector)     check your state to see if CAs have to be licensed  if so are they?

If they are    DV the CA   CMRRR!   always keep hard copies of CR forever  for just this reason.

make changes where needed.....naver talk to a CA   never sign your name just type it!

CERTIFIED MAIL #: _______________________________________________________
Your Name
Your Address
YourTown,, State ZipCode

Debt Collection Company Name
Their address
Town, State ZipCode

Date:

Re: Debt Collection Company Name; Acct # Debt Collection Company #; Original Creditor Name; OC Acct #

To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on DATE. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for “verification” or proof of my mailing address, but a request for FULL MEDIA VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that (a) the account is valid, (b) the amount allegedly owed is accurate, and (c) I have a contractual obligation to pay Debt Collection Company Name for this alleged debt.
All of the following MUST be provided to adequately validate the authenticity of the alleged debt AND provide proof of my contractual obligation to Debt Collection Company Name for this alleged debt:
• Signed credit application between myself and the original creditor
• Copies of all signed vouchers from the date account was opened until default
• Copies of all statements from the date account opened until default
• Proof of the statute of limitations
• Proof of agreement that you were hired by the Original creditor (creditor as defined by the FDCPA) or
• A copy of the contract Debt Collection Company Name purchased the alleged debt.
• If the alleged debt was purchased, provide a copy of an agreement between Debt Collection Company Name and myself, signed by me, stating that I have a contractual responsibility to Debt Collection Company Name for the alleged debt
• Provide proof that Debt Collection Company Name is bonded/Licensed for debt collecting in the State of Your State
Be advised that failing to provide ALL of the media requested to validate the alleged debt will invalidate any and all claims Debt Collection Company Name is asserting regarding this alleged debt. If Debt Collection Company Name can NOT provide all of the validation media requested above, ALL collection efforts MUST be stopped and the account MUST be DELETED from the Debt Collection Company Name. If you can NOT validate your claim, you can NOT, by law, collect on it, or SELL it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA (Fair Credit Reporting Act), and carries a $2500 fine to be paid to me. I have two years to decide if I want to pursue this matter. PLEASE GIVE THIS MATTER THE ATTENTION IT DESERVES.
If your offices are able to provide all of the validating media as requested, I will require at least 30 days to investigate this information, and during such time, all collection activity must cease and desist.
I am also stating, in writing, that no telephone contact be made by your offices. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by United States Postal Service.

Best Regards,

Your Name

Of course never sign the DV 
 

[Anonymous]

If you never paid anything those 22 green boxes are incorrect.

Still say get reports directly from the CRAs AND contact the OC to request a complete account hx.  

[gdtobefree]

Absoultley DV them! Make them send you a copy of the ORIGINAL written contract WITH YOUR SIGNATURE on the contract, if they cannot provide that then they will have to remove it from your CR.

This is considered a written contract and has the same SOL as contract signed when you buy a car.

If the account is still showing as OPEN it will not drop off the fact that they are still reporting as if you are paying is a NO NO!!!!!!!!!!!!!