azsassycat wrote:
Both of these accounts are listed in my Collection Items section of the credit report. I did have a US Cellular account while I was living in Kansas, but the latest I would have had the account active would have been 08-2002. I moved to a different city during the summer of 2002 and went with Sprint. I have not had any contracts or contacts with US Cellular since 2002. Should I dispute the first item (account one) as not mine? I am for certain I did not open an account in 12-2006 (I moved to Arizona in 06-2003 and this is a midwest based cell phone company). Also, what should I do about the second item (account two)? I am most certain that it is past the SOL (Kansas is 5 years for written contracts), but the date open (which is grossly incorrect - service had been cancelled for almost a year at that point) as appears on the report still falls within the SOL. Would a DV letter require the creditor to show when the account truly went deliquent? I guess I'm just not sure where to start . . . any suggestions would be greatly appreciated. Thanks - Cathleen
Equifax/US Cellular/no date open/no balance date/$1010/no date of status/At least 120 day or more
Experian/US Cellular/12-2006/09-2007/$1010/no date of status/Account seriously past due
TransUnion/US Cellular/12-2006/no balance date/no date of status/Automated account
Note: Same account number for all three CRA
Equifax/not reported
Experian/not reported
TransUnion/US Cellular ELK/05-2003/no balance date/$0/02-2005/Automated account
Note: Different account number that from above
Message Edited by azsassycat on
09-20-2007 03:59 PM
I don't understand the 2 colors that you are using for CRA reports
Is 1 reporting OC and another a CA??
Im not sure if this is an open account or contract
I would dispute with all CRAs as not mine.
see if they drop.
