DH's CR!

[bubbles0605]

Please help me with this. Here is a list of the collection accts on dh's cr.

Date opened: 6/07 bal amt.$487 status seriously past due, no ca listed . strange? dont know what this is.

NCO financial date opened 10/07 bal date 4/08 bal. $320 *no idea what this is*

Verizon: date opened 06/07,bal $487 date of status 6/08 status automated account . What doesn that status mean? Also, by the acct # it looks like a phone we had over 5 yrs ago,but it says it was opened June 07.

Please help! Whats my 1st step to clean this up? who do i contact about the ones that have no collector listed! Thanks a ton!

[guiness56]

bubbles0605 wrote: Please help me with this. Here is a list of the collection accts on dh's cr.

Date opened: 6/07 bal amt.$487 status seriously past due, no ca listed . strange? dont know what this is.

Where did you get your reports from?

NCO financial date opened 10/07 bal date 4/08 bal. $320 *no idea what this is

Send them a full validation DV letter

Verizon: date opened 06/07,bal $487 date of status 6/08 status automated account . What doesn that status mean? Also, by the acct # it looks like a phone we had over 5 yrs ago,but it says it was opened June 07.

Date opened of June 07 would be the date it went to collection. Do not know about the account status.

Please help! Whats my 1st step to clean this up? who do i contact about the ones that have no collector listed! Thanks a ton!

What state are you in and do you know the DOFD of any of these accounts.

[bubbles0605]

No i dont know the DOFD b/c I dont even know what they are. We havent opened any new acct's in the past several yrs b/c of low scores, so I have no idea.

We are in Massachusetts.

Message Edited by bubbles0605 on 08-21-2008 02:17 PM

[Anonymous]

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bubbles0605 wrote:

Please help me with this. Here is a list of the collection accts on dh's cr.

Date opened: 6/07 bal amt.$487 status seriously past due, no ca listed . strange? dont know what this is.

One reason for the CA not being listed would be is if the CA routinely reports medical accounts to the CRA. Seems the CRA just auto masks their name on every account, medical or not.  I had this happen.

Also, where did you pull your reports?

NCO financial date opened 10/07 bal date 4/08 bal. $320 *no idea what this is*

Date open could simply be the date they aquired the debt. It doesn't mean the date the original account was open. I would DV this, if I could PIF in the case of a suit being filed. Because of the amount, the chances are slimmer of it happening, but not impossible.

Verizon: date opened 06/07,bal $487 date of status 6/08 status automated account . What doesn that status mean? Also, by the acct # it looks like a phone we had over 5 yrs ago,but it says it was opened June 07.

Is this Verizon reporting this or a CA?

The amount matches the first collection you listed.

Please help! Whats my 1st step to clean this up? who do i contact about the ones that have no collector listed! Thanks a ton!

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[bubbles0605]

My gosh your right! I cnat believe i didnt catch that! ugh!

I pulled the reports from my cc that has scores and reports for privacy assist. BofA.

Verizon is listed as verizon not a ca. Also, what does status: automated account mean?

And if it went to a ca, why is verizon still listing a balance? Shouldnt it say 0?

[Anonymous]

Not sure what "automated account" means.

However, if Verizon just had the CA collect on the account and didn't actually sell it, then they can still report a balance.

The OC only has to report a $0 balance if they sold the account. From other's experiences I've read here, Verizon doesn't sell their accounts usually.

[bubbles0605]

Alright, so should i do a dv then a pfd??

[BIRDWRITER]

Hi,

Is the Verizon for a land-line or for a cell phone? I just learned on this forum that the federal SOL for cell phones is 2 years.

[Anonymous]

so, if the cell provider charged me an early term. fee (even after saying they wouldn't) and two years later, they are trying to collect on it, they are in violation?   Is this correct???

Considering who the CA is, this wouldn't be any big surprise, however, this completely changes the way I deal with them!

[BIRDWRITER]

That's my understanding! 2 years is Federal sol.

Here is link to the thread:  http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=24950&view=by_da...

GL!