? with regards to a sold chargeoff

Anonymous · ‎03-02-2008

I have a charge off from JCP that they then sold. Don't know the JDB, collection account being handled by AIS Services. Date of only activity on card was 2/06. SOL 4 yrs. Original Balance $75 Current Balance $209.

This originally reported on Experian only. Disputed on Experian. Removed as unverified. Now is reported on TU. Have disputed there also.

Do I send a DV, even though I am well within statue of limitations? If they validate what do I base a PFD on the original JCP balance or the curently reported AIS balance.

I have a feeling that they will not verify TU just like they did not verify EX and instead will report to EQ.

By the way during the dispute with EX they reported the collection 4 times within 1 month. But it is no longer on my EX.

Would like to get this taken care of as this is my worst baddie. My most recent 30 day lates were Discover in 05. I also have an Best Buy/HSBC account that went collections and then paid in 02 that according to TU will go positive this month as the negative falls off the account. Account was closed in 02 by creditor.

Any advice is greatly appreciated.

Anonymous · ‎03-03-2008

Bump

Anonymous · ‎03-03-2008

cowpaddi wrote:
I have a charge off from JCP that they then sold. Don't know the JDB, collection account being handled by AIS Services. Date of only activity on card was 2/06. SOL 4 yrs. Original Balance $75 Current Balance $209.
This originally reported on Experian only. Disputed on Experian. Removed as unverified. Now is reported on TU. Have disputed there also.

Do I send a DV, even though I am well within statue of limitations? If they validate what do I base a PFD on the original JCP balance or the curently reported AIS balance.

I have a feeling that they will not verify TU just like they did not verify EX and instead will report to EQ.
By the way during the dispute with EX they reported the collection 4 times within 1 month. But it is no longer on my EX.

Would like to get this taken care of as this is my worst baddie. My most recent 30 day lates were Discover in 05. I also have an Best Buy/HSBC account that went collections and then paid in 02 that according to TU will go positive this month as the negative falls off the account. Account was closed in 02 by creditor.

Any advice is greatly appreciated.

Is JC penny still reporting? what is the DOFD on CR for them?

Anonymous · ‎03-03-2008

Account opened 2/06 first late listed 4/06 last reported date for JCP is 5/07

Account currently shows as Charge off/ Sold

AIS Services shows for the collection account. According to their web site they provide services for JDB'S

When I disputed with EX rather than verifying they waited until about the end of the dispute period and reported on TU. During the dispute period they did report 4 times on EX but would not verify.

SOL is 4 yrs. I would prefer to get this taken care of before than. But will wait if that is best course.

Message Edited by cowpaddi on 03-03-2008 02:18 PM

Anonymous · ‎03-03-2008

Send the CA a DV they must have the info. from the OC (they can NOT just printout there own) and many times they do not. Check with your state & see if there is any law as to the amount of fees or intrest that they can charge.