1998 Collection still reporting 2010..Need help!

[Anonymous]

Hello Everyone, Im new to the site and Im trying to get my credit score higher... and I would like to thank everyone in advance for any advice given.

Here is my situation  I have an old cable bill , that went to collections in 1998 and it is still reporting on my credit report in 2010.

the following is what is showing up on my fico report

Cox Cable

Status:  unpaid

Date assigned: Feb. 1 ,2005

Date reported: Apr 1, 2010

Date date last active: Jan 1, 2005

what would be the best way to handle this matter....

thanks!

Jesse

[Anonymous]

Hi and welcome to the forums.

Which CRA is it reporting on and is there a DoFD listed?

 You may need to go to https://www.annualcreditreport.com/cra/index.jsp and pull a free copy of all your reports from each CRA.  These will give you much more detail

than a 3rd party site.

See if the reports tell you a date of removal.

I would say dispute it with the CRAs as being too old but, I want to see how it is reporting first.

[Anonymous]

Thanks for the link....much more info.

The only one it is showing up on is EXUIFAX

Date reported                     4/2010

Date assigned                   2/2005

Creditor Classification:    cable/cellular

Amount owed:                    $136

Date of 1st Delinquency:  01/2005      (which is strange since it is a 1998 account????)

Balance Date:                     04/2010

Last late payment date:     N/A

Status Date:                         04/2010

Status                                   D- unpaid

This is what it says...does  not show a removal date.

thanks!

[Schoolbuskid]

Have you paid anything on this account? Do you have any old reports that might help your cause? Seems like the CA may have kept re-aging the account!

[LIGHTNIN]

When you say it a 1998 account.....Are you saying that's when you opened the account with Cox Cable?

[Anonymous]

Yes I think your right about the re-aging....not sure what I can do about it. 

I havent paid anything on it yet. 

I have heard that paying it could keep it on my report longer. ( im not sure... Im new to this)

thanks!

[Anonymous]

1998 is when it went to collections originally... It was a cable bill that a roommate owed...But in my name.

It keeps coming back on my report.???

[Schoolbuskid]

Yea dont pay anything on it. what state do you live in? If its outside of SOL then i would suggest writing up a DV letter and if they delete your done, and if they validate you need to send a PFD letter!

[Schoolbuskid]

Link for SOL

[Anonymous]

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@Anonymous wrote:

Yes I think your right about the re-aging....not sure what I can do about it. 

I havent paid anything on it yet. 

I have heard that paying it could keep it on my report longer. ( im not sure... Im new to this)

thanks!

---

No, paying it will not make it stay longer.  It will fall off 7 - 7.5 years from the DoFD.

I would send the CA a DV.   I would also contact the OC and find out if they still have anything on this.