mbush12 wrote:
Ok, so i am a newb, but I just pulled my CR and it looks as if two different collection agencies are trying to collect on the same debt. Unfortunately, I am not sure what debt this is because neither CA has a name listed and only the last for digits of my account are listed. Is this legal? Also, all of my debt is old and coming from collections--none of the original accounts are listed. How do I go about finding the original lenders? or even the addresses of the CA's that are listed--Credrecinc? Portfolio? I would like to DV them because I know for a fact that the last deliquent payment on any of these accounts has been over 7 years November of 2000--even though the last known activity on them all seems to be from June 2001-Feb. 2002. I havent spoken to any of the CA's in over seven years.
My husband wants to pay off the debt, but we really dont have the money--It looks like they are about ready to fall off.
Also, I was not able to pull my TU or Exparian due to a lack of activity. Am I still able to get those through mail?
It happens alot that two CA report the same debt. When one buys it, they report, then they sell and the other begins reporting. The first one is supposed to remove the debt. It is not legal for 2 CAs to report the same debt. An OC and a CA can both report.
If past SOL, send DV to each one. IF they provide proper validation then it will show who the OC is. Once you find out who is collecting for who, get the proper evidence that they are past CRTP and dispute on basis of "FRCA Complaince Date"
Chances are that they will accept a settlement for a lot less than original amount if they are that old and past SOL.
You should be able to get TU and EX through the mail......did it give you a number or address when it said you couldn't access them?
