can pymt after delete after 5 yrs be relist on CR

[momof2]

I have a collection for a CA, i have not paid it yet to date, and according to EX it will drop off 4/2008, however it has only been on my CR for 5 years. If after the account is deleted from my CR and i then make a pymt to them can they have it put back on my CR and reage it to start the time over again?

[Anonymous]

Yes. It can. At least from what i've read in the boards. It should be 7.5 years from DOFD. Mine are only about 6.5 years and I have 13 negative accounts due to fall in the 3rd quarter of this year.

[Anonymous]

The 7 to 7.5 year rule starts with the DOFD and not from the date that it was first reported to the CRAs. It sounds like the DOFD was sometime in 2001 since EX is saying that it will drop off next month. Making a payment does not change the 7 to 7.5 reporting rule on CO accounts. It may affect SOL though, depending on the state you live in now and/or when you acquired the account.

[Anonymous]

NO     the drop date does NOT change.......paid or unpaid!

[momof2]

to happy days...... what do you mean that the drop date doesnt change if it is paid or unpaid? also according to TC I dont know when the DOFD was, maybe you can help me, it reads,

date opened 12/2002

date reported 2/28/2003

dated to delete april 2008

   I owe $215 and change,   I am just wondering, that if it does delete itself, if I should bother paying it or not.

[momof2]

any response to my last reply? i need help with this one

[Anonymous]

It does look like the the Date of First Delinquency is sometime in 2001. The best thing to do is

if you don't have your DOFD, you can call the CRAs numbers and they will be able to tell you.

If you have a TU report that you pulled from Myfico, you can pull the report from thier website by filing a dispute on the page and clicking Credit Report. On that report, it tells you your DOFD,

If you have EX, I usually call them and ask them over the phone what my DOFD is.

Same thing with EQ, but they rather send you their version of the report instead of calling them...You can order it online...

Print all your reports that you get offline and keep the ones that they mail you. Compare them all and see what the differences are. Do not throw them away because stuff can come back to haunt you.

I have diffrent drop off dates for the same account at the CRas. Some drop off early than expected some don't.

If i were you, id wait for them to drop off if it's getting cloase to that time...

Thanks

Message Edited by theshadow12345 on 03-27-2008 05:48 AM

[Anonymous]

---

momof2 wrote:

to happy days...... what do you mean that the drop date doesnt change if it is paid or unpaid? also according to TC I dont know when the DOFD was, maybe you can help me, it reads,

date opened 12/2002

date reported 2/28/2003

dated to delete april 2008

   I owe $215 and change,   I am just wondering, that if it does delete itself, if I should bother paying it or not.

---

Date open is more than likely the date the CA bought the account, so it went deliquent before then. Depending on how long the OC kept it before sending to collections, DOFD may have been 2001, which would make it drop this year.

It comes off your credit report, but SOL may not be up. Until SOL is up, they can take legal action against you to make you pay the debt.

Should you pay it? Well, I guess that is a matter of personal opinion. Is it your debt? IMO, if it's your debt, it falling from your report does not release your obligation to pay.

[momof2]

SOL in my state-Caifornia when i looked it up is 4 years, issue is that the original creditor was from a medical bill from a labratory. the debt is mine however. I dont know when DOS was, how can you tell it was in 2001 when it first went deliquent when it says date opened dec of2002, when creditors pulled my report wont they see the date opened as dec 2002? cause nowher it says 2001 and usually if it is past due 120 days isnt that when they sell it to a CA, if thats the case then DOFD would be sept 2002, right when it went 30 days past due? am i thinking this out right or am i just confusing myself again. SOL is up so they cant sue me, and if DOFD is 2001 and it dropping off next month, then whats the point in paying it? They cant come back and sue me and if it has been 7 years then it cant be put back on my CR, and originally my medical ins was to cover it, the OC didnt bill them the correct amount, nor would they send them the invoice of the correct amount, prob is that i dont remember who the insur comp was cause it was a long time ago and dont have the med insur comp any more.

sorry this is long. just trying to make the right choice