RJM

[hoping2rebuild]

I recieved a letter in the mail today from RJM and they said they were contacted by EX about a dispute, the letter goes on to say that EX told them what date to use as the opening date!? Is that normal?

 it is listed on my TU with an opening (date placed) of 12/06 and Fall off of 4/2009 how did that come about I thought it was 7 years or am I missing something?

RJM also says they purchased the account BUT it has placed on the CR is there a diffrence?

I am thinking of DV'ing them directly would it do any good?

Thanks

[llecs]

Their open date would be different than the OC's open date. This has no impact at all on you. Removal date and open date have no relationship at all. The only two dates to be concerned about is DOFD and the est. removal date (to make sure the account wasn't re-aged by a CA or re-aged if bought by another CA).

Definitely DV, if you have the $$$ to pay later. They are great with PFDs, or so I have read in here.

[Anonymous]

I can back that...they are great with CAs...I did a PFD with them back in April...

[hoping2rebuild]

How can I tell by looking at my CR if it was reaged?

Just trying to get a grasp of all this Credit repair  stuff

[Anonymous]

---

hoping2rebuild wrote:

How can I tell by looking at my CR if it was reaged?

Just trying to get a grasp of all this Credit repair  stuff

---

When did the account go delinquent? Is the DOFD on your CR showing that same date?

If no DOFD is shown, is the removal date 7-7.5 years after the date the account went delinquent.

[hoping2rebuild]

The Origional account has already fallen off it was a checking account that

was overdrawn it was in 6/2002, all I can see it that the "fall off" date is 4/2009 sorry I can't give more info

[Anonymous]

---

hoping2rebuild wrote:

The Origional account has already fallen off it was a checking account that

was overdrawn it was in 6/2002, all I can see it that the "fall off" date is 4/2009 sorry I can't give more info

---

If it was overdrawn in 6/2002 and the fall off date for the CA is 4/2009 then it isn't re-aged.

[hoping2rebuild]

I did alittle more checking and this account is past

my SOL, what are my options on getting this off my

CR, IF I had enough funds to pay it off I would.

They are also reporting as a "factoring" account

what does that mean?

[Anonymous]

Send the CA a DV and the past SOL letter  CMRRR

[hoping2rebuild]

What is the past SOL letter? I haven't seen that one yet

Thanks