Account Reaging Confused Please Help

[Rese]

I need some serious help here. I have a collection account the OC was Sprint PCS.  I have hard copy CR dating back to 2005. There have been 4 different CA’s on my report for this account all showing different dates of removal. I have no clue what to do about this. Im in NV I believe this would be considered a written contract so the SOL is 6yrs. Please Help me.

8/05-TU-Omnimum Services- est. removal date 10/2010

8/06-TU-Receivables Performance-est. removal date3/2012

8/06-EQ-West Asset Management-Date of first Delinquency 12/2002

8/06-EX-West Asset Management-est. removal date 3/2009

10/06-TU-West Asset Management-est removal date 11/2009

8/07-TU-Cavalry Potfolio-est. removal date 12/2011

8/08-TU-Cavalry Portfolio-est removal date 12/2011

Im sorry if this is too much info but I really need some direction here. Thanks

[Anonymous]

Do you know when this account went delinquent? Have you tried calling Sprint and asking them?

It should remain for 7-7.5 years from DOFD.

If this was for a cell phone, that falls under Federal SOL of 2 years.

[Rese]

Yes it was a cell phone. No i haven't called them I will do that tomarrow though. So if the federal SOL is 2 yrs thats what I go by? Do fedral SOL always override state? When I call and get the DOFD should I then send a DV letter to the current CA? Thank you sooo much for all your help!! 

[Anonymous]

Yes, Federal SOL is what you go by.

Sprint may or may not have your records in their system any longer. Do you know about when this account went delinquent?

I would DV the CA and I would include "proof of FCRA compliance date" or "date of first delinquency" as one of the requested items I would like them to provide.

Message Edited by sidewinder on 08-10-2008 08:44 PM